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Aging and long term care are the immediate problems of Americans that needs to be addressed today. The American population is living longer, which is both good news and bad news to Americans. Due to medical advancements, people will most likely live much longer today. Some people would gladly welcome it with open arms because… read more

Ltc insurance is the traditional way of paying for long-term care. But due to the increase in premiums and fears that rates will continue to rise, the insurance industry came up with a new product that attempts to solve the issues of traditional ltc insurance, which is life insurance with ltc rider or hybrid insurance…. read more

Baby boomers retiring would face expensive long-term care costs that can wipe out their retirement savings if they don’t plan for these properly. But are they even doing enough to prepare for long-term care? Well, I’m afraid not. According to the recent retirement survey done by Go Banking Rates, 42% of Americans will only have… read more

It’s never too early to plan for retirement given the circumstances today – longevity and expensive health care and long-term care costs. Despite this stark reality, there are still some Millennials who put saving for retirement at the bottom of their priority list. Millennials’ retirement looks bleak right now because of their inability to handle… read more

As Americans continue to live longer, it is more likely that they will need long term care. It involves different types of long term care facilities and services designed to meet your personal care needs. Long-term care also promotes independent and safe living in case you can no longer perform activities of daily living (ADLs)… read more

Father’s Day is only a few days away, and if you’re still looking for unique gifts for 60 year old man, then you’re in for a trove of unique gift ideas for your dad. Don’t sweat it. We know that it’s hard to come up with gift ideas for 60 year old man since he… read more

Are you still in limbo whether you should buy long term care insurance before age 50? Better make up your mind now and buy coverage to avoid paying for expensive long term care cost out-of-the-pocket. It’s hard to fathom the financial strain of long term care now, but by looking at the latest cost of care… read more

  Turning 60 is a major milestone that is worth celebrating and can be considered as a triumph for reaching this far. As you approach turning 60 years old, you think about a lot of things like losing a job, the best insurance to buy, having poor health and uncertainties of what lies after retirement… read more

Senior discounts make up for the drawbacks of aging and living on a fixed retirement income. Who would have thought that growing old could be an advantage too, right?   Make the most of your retirement now by cashing in on these senior citizen discounts now. Some of these deals can even be enjoyed as early… read more

Have you considered health care costs as one of the major retirement expenses you should plan for now? If not, then make sure you’re ready to shell out a considerable chunk of money to cover healthcare and medical expenses. According to Fidelity Investment’s annual retiree health care cost estimate, a 65-year old couple retiring this… read more