Many families don’t think about Medicaid until a loved one is facing a health crisis—like a sudden need for nursing home care. But by then, you have fewer options and it becomes more difficult to avoid costly consequences. One of the most misunderstood rules in Medicaid eligibility is the five-year look-back period—a detail that can […]
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For many families, planning for the future means more than just wills and trusts—it also involves preparing for the rising costs of long-term care. Medicaid, the government program designed to assist with healthcare costs for those with limited financial resources, plays a critical role in covering long-term care expenses. However, many individuals are surprised to […]
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A terminal diagnosis brings a whirlwind of emotions and uncertainties, but it also presents an opportunity to take control of the future. Thoughtful estate planning can ease the burden on loved ones, ensure wishes are honored, and provide peace of mind during a difficult time. If an estate plan is already in place, now is […]
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As we age, the possibility of needing assistance with daily activities becomes a reality for many. Long-term care insurance (LTCI) is one way to prepare for such needs, providing financial support for services like home care, assisted living, or nursing home care. Let’s explore what LTCI is, its pros and cons, tips for selecting the […]
Read moreWhile there has been plenty of attention paid to the Affordable Care Act, another change in the way we deliver and pay for health care is underway without much fanfare. But it too may bring with it a number of concerns. California is among at least 26 states that are introducing mandatory programs that put […]
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