Archive for PROTECT the Plan from Retirement Risks

21st Century Longevity, Health, & Wealth: Preparing for Health Care Risks in Retirement

By Heather Homes, Founder and CEO of Genivity I come from the healthcare industry and spent much time working in hospital systems around the world, working directly with physicians and patients. One of the interesting things that I learned was that regardless of the healthcare system, I consistently saw people delay making critical-medical-care decisions because they […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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Building a Generational Practice with Extended and Long Term Care

By Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI, the Executive Director, Limited and Extended Care Planning Center (LECP Center) for the National Association of Insurance and Financial Advisors It took a once-in-a-century pandemic to help us see the need for a plan for caregiving. Combine an aging population, increasing longevity, a shrinking birth rate […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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America’s REAL Retirement Coverage Crisis – Solution: The HSA in Your Future

By Jack Towarnicky, JD, CEBS, LLM-Employee Benefits, HR/Rewards/Benefits Compliance and Planning Researcher with the American Retirement Association Health savings accounts (HSAs) have been around since 2004. However, only 20-25% of employees who have employer sponsored healthcare coverage have access to that choice.  Worse, all too often, the HSA capable health option is poorly deployed and […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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The “Missing Link”: The Broadening Extended and LTC Planning Options

By Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI, the Executive Director, Limited and Extended Care Planning Center (LECP Center) for the National Association of Insurance and Financial Advisors What are the Realities and Impact of Extended Long-term Care Today? An aging population is not the only one impacted.  The problem spans generations. We often […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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Medicare Advantage vs. Medigap: Which plan is right for your clients?

By Joanne Giardini-Russell, Owner, Boomer Health Group and Cameron Giardini, Boomer Health Group There are the two choices that every 65-year-old is going to face when it’s time to think about what they’re going to do when it comes to Medicare: do they go with a Medicare Advantage Plan or Medigap? There have been a […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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Heading Toward Social Security Reform

By Bruce D. Schobel, FSA, MAAA, CLU, CEBS, Consulting Actuary Let’s start with Social Security’s financial status. There isn’t any real news here. For more than 30 years, Social Security’s Annual Trustees Reports have shown a very similar financial picture for the program. The funds have been building up over 36 years, and now they’re […]

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Posted in: PROTECT the Plan from Retirement Risks, Social Security Planning

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The Value of Safe Home Care

By Phil Bongiorno, Executive Director at Home Care Association of America The number of families utilizing home care services continues to grow in the United States.  A higher number of family caregivers who are caring for a loved one with a chronic or debilitating health condition are turning to home care, rather than institutional care, […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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Advance Care Planning: A Critical Component for Building Client Relationships

By Paul Malley, President of Aging with Dignity More than 30 million people have already used Five Wishes. It’s available in 29 different languages and used by organizations, healthcare providers, and faith communities of diverse faiths from across the country and the world. Because it’s translated into 29 languages, it’s appropriate in very diverse populations […]

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Posted in: Legacy Planning, Medical and Long-term Care Planning, PLAN for Retirement Readiness, PROTECT the Plan from Retirement Risks

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Protecting Your Clients From Financial Abuse

By Bob Mauterstock, CFP®, ChFC, and CLTC, Eldercare Expert, Speaker, Author, Facilitator Who is exploiting our seniors? A study was done a few years ago by the MetLife Institute. They determined that elders lost $2.9 billion a year through financial exploitation, and that number is increasing every day. Strangers do fifty-one percent of the exploitation. […]

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Posted in: Elder Financial Abuse, Exploitation and Fraud, PROTECT the Plan from Retirement Risks

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Social Security: Uncovering Opportunities to Bring Value to Your Clients and Prospects

By Heather L. Schreiber, RICP®, HLS Retirement Consulting, LLC Who collects Social Security today? Eighty-four percent of non-married retirees and 85 percent of married retirees collect Social Security benefits. Fifty-five percent of Social Security beneficiaries in 2016 were women. Let’s look at the relative importance of Social Security in the broader scope of how American […]

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Posted in: PROTECT the Plan from Retirement Risks, Social Security Planning

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The Platinum Retirement Challenge: Gray Divorce

  By Lili Vasileff, CFP®, MAFF, CDFA, RIA, Wealth Protection Management Let me start with background on gray divorce and retirement. It is a genuine, real statistic. Every ten seconds, a boomer turns 60 years old. Among the US adults who are age 50 plus, the divorce rate has doubled since 1994. Interestingly, the increase […]

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Posted in: PROTECT the Plan from Retirement Risks, Women and Retirement

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Medicare 101 – The A, B, C, and D’s of Medicare

By Erin Fisher, President, Find Medicare Plans, LLC Please note: all references to premium, deductible, copay, etc. dollar amounts reflect 2018 numbers. What is Medicare? Medicare is health insurance for people 65 or older. People under 65 can also enroll in Medicare when they have certain disabilities, and people of any age that have end-stage […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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How to Protect an Aging Client’s or Adult Child’s Retirement Security from a Medical Crisis

By Annalee Kruger, President, Care Right Inc. I used to be a social worker and long-term care administrator for over 20 years. Every day, I had families in my office because there was a medical crisis. Mom fell, she broke her hip. Hospital says here’s a list of facilities. Go find one because we’re discharging […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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Elder Law Basics Part 2

By Amber B. Woodland, Esq., Partner at ProcinoWells & Woodland, LLC. The first half of this article was published in our July 2017 issue, and covered the basic definition of elder law, what is Medicaid, payment options for long-term care costs, how to qualify for Medicaid, the Medicaid asset or resource test, Medicaid transfer penalty […]

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Posted in: Legacy Planning, Medical and Long-term Care Planning, PLAN for Retirement Readiness, PROTECT the Plan from Retirement Risks, Retirement Income Management

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Maximizing Your Clients’ Social Security

By Matthew Allen, CEO, Social Security Advisors About 70 percent of Americans fail to make a smart Social Security decision and instead just guess or claim early. On average, this costs about $120,000 per couple and amounts to about $25 billion per year in lost benefits. Why is this happening? Social Security is complicated. There […]

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Posted in: PROTECT the Plan from Retirement Risks, Social Security Planning

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Elder Law Basics

By Amber B. Woodland, Esq., Partner at ProcinoWells & Woodland, LLC. This is a topic that I am extremely passionate about. I love what I do; I love serving my community and seniors in my community and helping their families every single day. Most of us know of someone or have a loved one, friend, […]

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Posted in: Legacy Planning, Medical and Long-term Care Planning, PLAN for Retirement Readiness, PROTECT the Plan from Retirement Risks, Retirement Income Management

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Where Senior Living and Retirement Planning Intersect, Opportunities Emerge

By Brad Breeding, CFP®, President and Co-Founder of MyLifeSite I was in the financial planning business for 14 years. I still maintain my CFP® designation because I don’t want to ever take that test again, but I’m no longer actively practicing. Rather, I am focusing on the business that I’m running today, MyLifeSite.net. The idea […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks, Retirement Income Management

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Three Steps to Helping Clients Manage Health Care Costs in Retirement

By David Armes, CFP®, Principal of Dover Healthcare Planning, LLC How are healthcare costs different? They increase at faster rates than other kinds of retirement spending. Over the last 20 years, healthcare inflation has risen at an average annual rate of about 2 percent more than other types of consumer inflation. Over time, for retirees […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks, Retirement Income Management

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Women and Retirement

Presented by: Cindy Hounsell, JD, President of Wiser, Mary Beth Franklin, CFP®, and Betty Meredith, CFA, CFP®, CRC®, President of Int’l Retirement Resource Center Most people are familiar with the issues that are unique to women. We’re talking about some issues that may be less familiar. Women earn less. It seems to be improving for […]

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Posted in: PROTECT the Plan from Retirement Risks, Women and Retirement

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How Middle Income Retirees Plan For and Manage Their Risks, Assets and Spending Decisions in Retirement

By the Society of Actuaries and Mathew Greenwald, PhD, Retirement Research Expert Editor’s Note: Below is an adaptation of the live webinar delivered by Mathew Greenwald and Cindy Levering of the Society of Actuaries in 2016. Their comments have been edited for clarity and length. You can read the summary article below as part of the […]

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Posted in: PROTECT the Plan from Retirement Risks, PROVIDE Retirement Income, Retirement Income Planning and Spending

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How Work & Marriage Trends Affect Social Security’s Family Benefits

June 2016, Number 16-9 CENTER FOR RETIREMENT RESEARCH at Boston College By Steven A. Sass* The following is an excerpt with permission from the Center for Retirement Research at Boston College. Introduction Social Security aims to provide retirees a basic old-age income after a lifetime of work. Monthly benefits were designed to replace a greater […]

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Posted in: PROTECT the Plan from Retirement Risks, Social Security Planning

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The Silver Tsunami and Long-Term Care

By  Nyal Bischoff, Independent Long Term Care Specialist Editor’s note: This presentation was delivered in live webinar format in 2015. Nyal’s comments have been edited for clarity and length. You can view a YouTube brief of the original presentation here. You may also choose to take the full length course and earn 1 CRC®, CFP®, and/or […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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A 21st Century Connection – Health and Wealth

By Ron Mastrogiovanni, President and Chief Executive Officer of HealthView Services Editor’s note: This presentation was delivered in live webinar format in 2015. Ron’s comments have been edited for clarity and length. You can view a YouTube brief of the original presentation here. You may also choose to take the full length course to earn 1 […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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Protecting Your Clients from Financial Elder Fraud

By  David M. Kessler, Elder Fraud Expert, Protecting the Elderly  Editor’s note: This presentation was delivered in live webinar format in 2015. David’s comments have been edited for clarity and length. You can view a YouTube brief of the original presentation here. You may also choose to take the full length course to earn 1 CRC®, […]

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Posted in: Elder Financial Abuse, Exploitation and Fraud, PROTECT the Plan from Retirement Risks

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Understanding Disability: Facts and Retirement Planning Considerations

By Rick Miller, PhD, CFP®, Founder of Sensible Financial, and Scott Haglund, FSA, MAAA FLMI, Vice President & Director of Actuarial Services at Life & Health Federated Life Insurance Company. Editor’s note: This presentation was delivered in live webinar format in 2014. Rick’s and Scott’s comments have been edited for clarity and length. You can […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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Don’t Let Disability Derail Retirement Security

By Anna Rappaport and David Kaleda Editor’s note: As we approach age 65, chances increase that a worker will experience a disability of several months or longer. When defined benefit plans were the norm, disabled employees had safety nets that protected their retirement security, because employers continued to make contributions/accrue retirement benefits in the defined […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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The Personal Cost of Caregiving: Women Need to Protect THEIR Retirement Too!

By Cindy Hounsell, JD, President of WISER Editor’s note: It’s estimated that more than 36 million households across the country have an adult who’s providing unpaid care to a family member.  Sixty-six percent of those caregivers are women, according to the caregiving in the U.S. studied by the National Alliance for Caregiving.   Caregivers spend an […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks, Women and Retirement

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Misperceptions and Management of Retirement Risks: Highlights from 15 Years of the Society Actuaries’ Research

By Carol Bogosian, ASA, EA, MAAA, President of CAB Consulting Editor’s note: This excerpted transcript is from our ongoing Retirement Professional Development courses, and highlights key research conducted by the Society of Actuaries, much of which InFRE has participated in over the last 15 years. It focuses on the misunderstandings of the risks faced by […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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The 2013 EBRI-Greenwald Retirement Confidence Survey: Part II

By Brian Perlman, PhD, ChFC, CLU, Senior Vice President and CFO, Mathew Greenwald & Associates – Retirement Confidence Research Expert Editor’s Note: The following is the second half of an excerpt of the transcript of the live webinar Brian Perlman, PhD. provided in April, 2013 as part of the Retirement Resource Center’s Professional Development Program. […]

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Posted in: PLAN for Retirement Readiness, PROTECT the Plan from Retirement Risks, Retirement Counseling/Coaching

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The 2013 EBRI-Greenwald Retirement Confidence Survey: Part I

By Brian Perlman, PhD, ChFC, CLU, Senior Vice President and CFO, Mathew Greenwald & Associates – Retirement Confidence Research Expert Editor’s Note: The following is the first half of an excerpt of the transcript of the live webinar Brian Perlman, PhD. provided in April, 2013 as part of the Retirement Resource Center’s Professional Development Program. […]

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Posted in: PROTECT the Plan from Retirement Risks, Retirement Counseling/Coaching

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A Lasting Mother’s Day Gift for the Mid-Market

By Betty Meredith, CFA, CFP®, CRC® This Mother’s Day, reach out to three women who mean a lot you – your mother, aunts, sisters, cousins and even daughters – and review the following with them.   As a pre-read to this article, I highly recommend the November, 2010 article by Eleanor Blayney, “Empowering, Educating, and Engaging […]

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Posted in: PROTECT the Plan from Retirement Risks, Retirement Readiness Planning, Women and Retirement

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Overview of Current Long-Term Care Financing Options

By Ellen J. Tell At some point in their lives, most people will need some form of ongoing assistance, often called long term care (LTC) or long-term services and supports (LTSS). This includes assistance with activities of daily living such as bathing or dressing or supervision required by a cognitive condition such as Alzheimer’s disease. […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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Standardized “Sizes” Will Boost Quality of Retirement Security for the Mid-market

By Betty Meredith, CFA®, CFP®, CRC® I live just west of Dearborn, Michigan where Henry Ford revolutionized manufacturing in the early 1900s by creating the assembly line. Cars evolved from luxury item for the well-to-do to essential transportation for the ordinary man. Using innovative production techniques, Ford decreased the production time of a car from […]

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Posted in: PLAN for Retirement Readiness, PROTECT the Plan from Retirement Risks, PROVIDE Retirement Income, Retirement Distributions/Withdrawals, Retirement Income Planning and Spending

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Managing Mid-Market Retirement Risks

By Betty Meredith, CFA®, CFP®, CRC® The financial industry generally classifies a client’s risk tolerance by their capability to assume investment risk. When retirement planning for the mid-market, retirement counselors need to prioritize a client’s ability to protect against the additional primary risks of inflation, longevity, health and long-term care before they plan for their […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks, Retirement Income Planning and Spending

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Managing Retirement Decisions Client Education Resources

By Betty Meredith, CFA®, CFP®, CRC® The Society of Actuaries’ Committee on Post Retirement Needs and Risks recently completed a significant series of planning briefs to help consumers make more informed retirement decisions. Drawing upon the expertise of prominent retirement professionals, the result is this thought-provoking series of 11 issue briefs written in everyday language […]

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Posted in: PLAN for Retirement Readiness, PROTECT the Plan from Retirement Risks, PROVIDE Retirement Income, Retirement Education and Counseling, Retirement Readiness Planning

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Sounds Like a Plan

By Kerry Prechter, Editor, Retirement Income Journal A directory of 27 software tools accompanies this overview of the rapidly evolving retirement planning technology industry. “Only the dead know Brooklyn,” a great novelist once wrote. Thomas Wolfe wasn’t referring to zombies; he was just observing that no one alive could possibly know everything there was to […]

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Posted in: PROTECT the Plan from Retirement Risks, PROVIDE Retirement Income, Retirement Income Planning and Spending, Retirement Product Trends

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The Financial Recovery Continues: The Impact of the 2008–2011 Financial Crisis

Introduction: Since 2008, the financial atmosphere around the world has been in constant change. The 2008 downturn experienced in the United States has been followed by a rollercoaster-like recovery period. And this financial turmoil includes worldwide economic chaos, as well as the U.S. debt ceiling crisis in the summer of 2011. To measure the effects […]

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The Impact of Retirement Risks on Women

The Impact of Retirement Risks on Women Study was sponsored by WISER and the Society of Actuaries’ (SOA) Post Retirement Needs and Risks Committee (see description of both organizations at the end of this article). InFRE has been an active member of this committee since its inception, and partners regularly with the SOA on studies that will […]

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Posted in: PROTECT the Plan from Retirement Risks, Women and Retirement

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A New Resource to Help Plan Long-Term Care Services for Older Adults

AARP is redefining the definition of long-term care for older people to include the availability of housing with services, accessible transportation, and funding of respite care for family caregivers. When my mother passed at the end of last year, I realized the importance for all these types of services. By expanding the definition of long-term care […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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