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Severns & Howard, P.C. Blog

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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Friday, September 7, 2018

Plan Your Legacy Now and Ensure Peace of Mind for Your Heirs Later

While nobody wants to think about death or disability, establishing an estate plan is one of the most important steps you can take to protect yourself and your loved ones. Proper estate planning not only puts you in charge of your finances, it can also spare your loved ones of the expense, delay and frustration associated with managing your affairs when you pass away or become disabled.

The recent passing of Aretha Franklin brings to light the importance of estate planning and leaving a Last Will and Testament or Trust to provide direction for distribution of your assets upon your passing.  According to court documents, legendary singer Aretha Franklin did not have a will when she died, opening up her estate to public scrutiny and potential problems. Failing to create an estate plan can cause lots of headaches for heirs, in addition to unnecessary costs.
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Friday, August 31, 2018

10 Symptoms of Caregiver Stress

This weekend we celebrate Labor Day.  Labor Day was established to honor the contributions that workers have made to this country.  In the 19th century when Labor Day was first established a family caregiver was probably not one of the workers they contemplated celebrating.  However, the family caregivers play a huge part in our society today.  According to a study by the National Alliance for Caregiving, there are 34.
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