Long-term care insurance has always been a hot topic in the insurance industry. Essentially, because Medicare does not cover long-term care with the exception of doctor-prescribed instances, paying for long-term care can be a big challenge. While many Americans have...
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How does Medicare’s nursing home rating system work?
If your elderly mother or father needs to move into a nursing home, you have no shortage of options. Indeed, according to the Centers for Disease Control and Prevention, there are almost 16,000 nursing homes in the U.S., providing long-term care to more than 1.3...
3 types of advance directives
An illness or injury can rob you of your ability to make medical decisions on your own behalf. This can cause difficulties for you and your loved ones, especially if the condition occurs acutely. In an advance directive, you make decisions and provide instructions...
How generation-skipping trusts benefit younger heirs
When you have worked hard to accumulate wealth, it is a priority to ensure it is available for younger heirs. A generation-skipping trust (GST) is an estate planning tool designed with this goal in mind. What are generation-skipping trusts? This type of irrevocable...
What is undue influence?
Estate planning is a difficult, time-consuming process in which every detail of a person's life and every desire they have for their post-death care undergoes examination. It is also a delicate time where some unscrupulous individuals may want to insert their own will...
Incorporating your business interests into an estate plan
You can use an estate plan to get ahead of questions about what happens to your assets after you pass away. If you are a business owner, you can also incorporate your business interests into your plan in a few different ways. Succession plan Naming a successor and...
How do trusts save my estate money?
Massachusetts probate can be a long and drawn-out affair. Most estates must go through probate before their heirs can receive their inheritance. According to Massachusetts’ official website, probate is necessary to validate a will. However, if you create a living...
Can your estate plan benefit from some spring cleaning?
If your house is looking a little shabby after the long New England winter, you may have already begun to think about a deep cleaning when spring arrives. After all, spring cleaning your home is a good way to maintain its value. According to reporting from Healthline,...
How may a conservatorship help manage my affairs?
Conservatorships allow an individual to help you with issues such as your financial or business affairs. As noted by SmartAsset.com, a conservator may also assist you with decisions regarding your medical issues. A conservator could help you if you begin having...
What should I look for in long-term care insurance?
Planning for your future health care does not stop if you decide to take out a long-term care insurance policy. Policies that pay for nursing home care or in-home care take different forms, so you should know if your insurance policy meets your priorities....
