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Friday, November 30, 2018

How to determine if a Care Manager is right for you and your loved one


As our loved ones age we are often faced with the unknown of the next steps and how to give them the best care possible.  Many are faced with navigating the when and how while trying to still maintain their own responsibilities.  There are several resources to assist you in navigating these difficult decisions and finding the balance between taking care of your loved one and your personal affairs.  Severns & Howard can assist with the legal aspects in establishing an estate plan that provides your loved ones with the tools needed to forge through the issues that most likely will arise as you age.  However, we can also assist you with finding other resources such as an in-home caregivers, facilities, financial advisors, realtors, someone to help clean out properties, and care managers.
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Friday, November 23, 2018

Happy Thanksgiving! A great time to talk to your family about estate planning.


It's the Friday after Thanksgiving.  You have probably hit the point at which you are recovering from your Black Friday shopping, debating whether ordering pizza is preferable to eating yet another leftover turkey sandwich, or consulting the TV guide to find out when the next football game is on.

 Thanksgiving is a great opportunity for many families to talk about estate planning.
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Friday, November 16, 2018

Thanksgiving Activities for Loved Ones in Assisted Living


The holiday season is upon us and brings with it numerous opportunities for turning typical days at your community into seasonal experiences. While some may go to the homes of their family, many seniors will stay in the nursing homes missing traditions they used to share with their loved ones.

Preparing for this day is important so as to ensure that seniors enjoy their stay and give them an opportunity to give thanks for the great things that have happened in their lives.

1. Set up a gratitude tree.
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Saturday, November 10, 2018

Veterans Day


As a daughter of a retired Army Veteran and a sister of two retired Air Force Veterans, it is no wonder that I have a soft spot for our men and women who serve in our military.  This Sunday, November 11th is Veterans Day and for this week’s blog I thought I would provide a little history on Veterans Day.

Veterans Day is the day in which we thank and show our appreciation to the men and women who serve or have served in the military whether in war time or peace time. 

Veterans Day evolved from Armistice Day which was established by President Woodrow Wilson in 1919, in recognition to the end of World War One on November 11, 1918 at 11:00 am.   In 1954 President Eisenhower made November 11th the official observance of Veterans Day which would recognize all wars and not just World War One.
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Friday, November 2, 2018

How to Choose the Right Medicare Plans During Open Enrollment


Most people fill Medicare’s coverage gaps by buying a Medicare supplement (medigap) plan and a Part D prescription-drug plan, or they get both medical and drug coverage from a private insurer with a Medicare Advantage plan. You have from October 15 to December 7 each year to pick a Medicare Part D prescription-drug plan or a Medicare Advantage plan for the year ahead. You can switch from one Part D plan to another, or from one Medicare Advantage plan to another. You can also switch into a Medicare Advantage plan. However, if you have Medicare Advantage and want to switch to a medigap plan plus a Part D plan, you may have Read more . . .


Friday, October 26, 2018

Improve Your Health in Your Golden Years: Fall Foods and Activities


The number of neurons in the brain decreases as we age, which can result in memory loss, mild brain fog, and other conditions later in life.
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Friday, October 19, 2018

My dad has had to go to rehab: an attorney takes her own advice


A big part of my job as an attorney at Severns & Howard is to work with the families of people who are in long-term care facilities.  I presently find myself on the other side of the desk, so to speak, because my father recently had a major surgery requiring a stay in a rehabilitation facility.  Suddenly, I was the one sitting with my mom as she tried to make sense of insurance papers, hospital discharge instructions, and rehab facility websites.


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Friday, October 12, 2018

Long Term Care Insurance - Is it for me?


Planning for long-term-care costs becomes more pressing every day, but the insurance that helps cover those costs is surging in price, while the benefits are becoming skimpier.

As costs rise, health care experts are engaging in a fierce debate about whether the coverage is worth the years of premiums. Even when people do go into a nursing home, those bills may not be as enormous as many people believe.  The overall cost of new long-term-care coverage has jumped roughly 9% over the past year, according to the Read more . . .


Tuesday, October 9, 2018

It's Important to Shop Around for Your Medigap Policy


Medigap premiums can vary widely depending on the insurance company, according to a new study, so be sure to shop around before choosing a policy.

When you first become eligible for Medicare, you may purchase a Medigap policy from a private insurer to supplement Medicare's coverage and plug some or virtually all of Medicare’s coverage gaps. You can currently choose one of 10 Medigap plans that are identified by letters A, B, C, D, F, G, K, L, M, and N. Each plan package offers a different combination of benefits, allowing purchasers to choose the combination that is right for them. Federal law requires that insurers must offer the same benefits for each lettered plan, so each plan C offered by one insurer must cover the same benefits as plan C offered by another insurer.
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Friday, September 28, 2018

Scientific Proof Behind the Benefits of Dancing as We Age


Scientific Proof Behind the Benefits of Boogieing 

A lot of people love to dance. Even those who don’t consider themselves “good” dancers or don’t really enjoy doing it, still can be found tapping a foot or moving their head to a song they enjoy, even if it’s just in the privacy of their own home or car. Well dancing isn’t just for young people at a night club. You can do it alone, have a dance partner, with a group of people, or go big and do it with a dance mob. And you don’t have to do it one specific way either.
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Friday, September 14, 2018

Elder Law: More than Just a Job

My name is Jackie Jaques, and I’m an associate attorney at Severns & Howard,  PC.  One thing I love about Severns &Howard is that, for everyone who works here, elder law is more than a job – it’s a calling.  One of the most fulfilling parts of my job is having the opportunity to help families make sense of options they have to provide for their loved ones who are dealing with disability – whether it’s establishing a special needs trust for a disabled child, finding resources to meet the needs of a client facing healthcare challenges, or applying for Medicaid to help pay for long term care for an elderly parent.

When I’m not at work, I dedicate some of my time to two organizations whose missions align with my passion for serving people who are living with disabilities. I'm excited to have the chance to share more information about them with you.



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