Manage a loved one’s finances and health care with knowledge and confidence. The Family Caregivers Kit is a collection of publications that help you understand your duties as an agent under a power of attorney, keep track of medications, protect your loved ones from scams, and more. PUBLICATIONS FEATURED IN THE FREE FAMILY CAREGIVERS KIT […]
Recently I was involved on a case where adult children, as part of their financial planning, explored the purchase of long term care protection on their parents. (Of course, the parents had to consent, and qualify medically.) The rationale was this: the adult children and spouses understand that 40% of women, and 37% of men, […]
EPIC, (Elderly Pharmaceutical Insurance Coverage) is a New York State program for seniors administered by the Department of Health. It helps eligible seniors supplement their out-of-pocket Medicare Part D drug plan costs. Eligibility requirements are: Resident of New York State Age 65 or older Income up to $75,000 (single) or $100,000 if married. EPIC offers two plans, […]
Annuities, long-term care insurance or a hybrid life insurance / LTC rider are better options than trying to go-it-alone.
This photo was taken on Sunday, May 11, 2014 on Union Street in Schenectady, New York