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Severns & Howard, P.C. Blog

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.
Read more . . .

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.

Read more . . .

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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Friday, August 24, 2018

Choosing the Right Medical Alert System

Many will recall the Life Alert commercial catch phrase “Help, I have fallen and I can’t get up!”  This frightening situation becomes a real concern for the family of a loved one who remains in their home alone as they age.  Everyone hopes to be able to stay in their home as long as possible; but for some, living at home alone can be a safety concern.  Placing a personal emergency response system in their home has allowed more people to remain in their homes longer, while allaying many safety concerns.  

When personal emergency response systems (or as they are often referred to as Medical Alert Systems) began to be advertised on television, it seemed as if there was only one option for an in-home alert system.  This system tended to be a basic, wearable device with a button to call a response center in case of an emergency.
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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.
Read more . . .

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.
Read more . . .

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.
Read more . . .

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

Read more . . .

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