Question: We have been considering Long Term Care Insurance (LTCI), and would like to know what you recommend? Answer: Long Term Care Insurance (LTCI) can be a useful tool to help pay for healthcare services you or your spouse may need in the future. LTCI has changed significantly in recent ...

Question: I am turning 65 later this year and I am nervous about getting Medicare. Is Medicare good insurance? Will I be happy with it? Answer: I LOVE Medicare! For anyone who knows me, that comes as no surprise. I have been working with seniors and their insurance for 30 years, and I find ...

My budget is getting very difficult to manage, are there any programs to help with paying for my insurance? What is that and How do I get that? Answer: A program I believe is very helpful for many seniors is called the Medicare Savings Program (MSP). This is a Medicaid benefit administered by ...

Question: We recently discovered that we can’t find my father’s Social Security Card. How do we get a new one? Answer: Your Social Security (SS) Card is such an important piece of paper, and yet we don’t need it that often – once you are an adult you have other forms of ID that are ...

Question: I’m getting ready to sign up for Medicare, but I don’t want to collect Social Security yet. How will I pay for the Medicare Part B premium? Answer: Social Security and Medicare have been around a long time, and for many of those years, individuals filed for both benefits at the ...

Question: I got a letter from Medicare (Centers for Medicare & Medicaid Services, CMS) saying that I might need to sign up for Medicare Part B. I have coverage through my employer, so do I still need to have Medicare Part B? Answer: According to data.cms.gov, over 68 million Americans ...