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Friday, August 17, 2018

Are Children Responsible for their Parents' Nursing Home Bills?


The national median amount paid for assisted living residences in 2017 was $3,750 per month.  For a semi-private room in a nursing home that cost was $7,148, and for a private room in a nursing home that cost was $8,121, according to the 2017 Genworth Cost of Care Survey.
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Monday, August 13, 2018

National Senior Citizen Day - August 21st!


Did you know there is a day specifically dedicated to celebrating Senior Citizens? Coming up is National Senior Citizens Day. Some people celebrate Senior Citizens Day on August 14 as it was the day past US president Franklin Roosevelt signed the Social Security Act in 1935. However, in 1988, Ronald Reagan, who was the US president at the time, declared August 21 to be National Senior Citizens Day.

This observance was established in honor of senior citizens in the US who made positive contributions in their communities. The day was also created to bring awareness of social, health, and economic issues that affect senior citizens.
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Friday, August 3, 2018

August is National Immunization Month


“August is an ideal time for families to ensure that all of their loved ones have access to the recommended immunizations and are protected for the coming year,” said Susan Peschin, MHS, Chief Executive Officer of the Alliance for Aging Research. “This is particularly true for older adults, who are the most vulnerable to many infectious diseases and illnesses—especially those that can be deadly like flu and pneumonia.”

As the children all begin to head back to school, we are reminded that specific immunizations are required to start that each school year.  Each age range has a specific set of immunizations that are recommended or required for them to have each year.  However, immunizations are a good idea for everyone, not just for children.
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Friday, July 27, 2018

529 Savings Plans: Helping Your Children and Grandchildren Pay for College

August is right around the corner, and kids are getting ready to head back to school.  Some of those kids are heading off to college, and families feel the strain of rising tuition costs.  Last school year, the average in-state cost for college tuition and fees in Indiana was $7,866!

Many of our clients want to help their loved ones pay for college, and we can help them create


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Friday, July 20, 2018

Medicare Extends Deadline for Relief from Part B Penalties

Medicare is extending its offer of relief from penalties for certain Medicare beneficiaries who enrolled in Medicare Part A and had coverage through the individual marketplace. Beneficiaries who qualify will be able to enroll in Medicare Part B without paying a penalty for late enrollment if they enroll by September 30, 2018.

Individuals who do not enroll in Medicare Part B when they first become eligible face a stiff penalty, unless they are still working and their employer’s plan is considered "primary." For each year that these individuals put off enrolling, their monthly premium increases by 10 percent -- permanently.

Some people with marketplace plans – that is, plans purchased by individuals or families, not through employers -- did not enroll in Medicare Part B when they were first eligible.


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Friday, June 29, 2018

Exercise - it's good for your brain!

Maybe you already exercise to trim your tummy, keep your weight in check, or ward off the major killers. Good for you! But did you know that moving your body is also about the best thing you can do for your brain? While the benefits of a workout have been well-known for below-the-neck for a long time, the incredible advantages for your brain are just being discovered.

Research shows that physical exercise improves memory and thinking skills, mood and creativity, and learning while reducing depression, age-related decline, and the risk of dementia and Alzheimer’s.

 Science is recommending exercise as a way to prevent Alzheimer’s. Exercise protects your hippocampus, the part of your brain which governs memory and spatial navigation, the first things to go with Alzheimer’s.


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Friday, June 22, 2018

ABLE accounts - a savings tool for people with disabilities

Many of our clients have loved ones with special needs.  We recommend certain specialized estate planning tools, including Special Needs Trusts and


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Monday, June 18, 2018

Technology for the visually impaired

In today's world, technology is allowing more people to be active and receive assistance from more than just those living near them. Creating more opportunities and allowing those with a disability to live more independently. One such technological advancement is the mobile app Be My Eyes.

Be My Eyes is a free mobile app with one main goal: to make the world more accessible for the blind and visually impaired. The app connects blind and visually impaired individuals with sighted volunteers and companies from all over the world through a live video call.


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Monday, June 11, 2018

New Brokerage Account Safeguards Aim to Protect Seniors From Financial Scams

New rules have been put in place to protect seniors with brokerage accounts from financial scams that could drain the accounts before anyone notices.

As the population ages, elder financial abuse is a mounting problem. Vulnerable seniors can become victims of scammers who convince them to empty their investment accounts. According to the


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Thursday, May 10, 2018

May is Mental Health Awareness Month


May is Mental Health Awareness month.  One in four older adults experiences some type of mental disorder, including depression, anxiety, or dementia. 

As noted by Dr.
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Thursday, April 26, 2018

How to Appeal a Medicare Prescription Drug Denial

If your Medicare drug plan denies coverage for a drug you need, you don't have to simply accept it. There are several steps you can take to fight the decision.

The insurers offering Medicare drug plans choose the medicines -- both brand-name and generic -- that they will include in a plan's "formulary," the roster of drugs the plan covers and will pay for that changes year-to-year. If a drug you need is not in the plan's formulary or has been dropped from the formulary, the plan can deny coverage. Plans may also charge more for a drug than you think you should have to pay or deny you coverage for a drug in the formulary because it doesn't believe you need the drug.


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