Q. I recently went to my 50th high school reunion, and it seemed like many of the people there still knew each other — even those who lived on different sides of the country and hadn’t seen each other in years. I was excited to see everyone but felt out of the loop because I […]
Long-Term Care Insurance vs. Life Insurance with a Long-Term Care Rider
Q. My mother was in a nursing home for about two years prior to her death, and it cost the family most of her savings. I don’t want the same to happen to me and my husband. Therefore, we are trying to make the decision of buying either long-term care insurance or life insurance with […]
Shocking New Study: Alzheimer’s Found in Children and Linked to Air Pollution
Amy took her daughter, Madison, to visit her grandmother in the memory care unit of the nursing home. Madison’s grandmother’s Alzheimer’s had progressed a lot since they last saw her. Madison was perplexed by the changes in grandma, and why they were happening. Being 8 years old and inquisitive, she asked lots of questions on […]
Can You Die from a Broken Heart?
Q. My grandmother died many years ago, when I was twelve years old. I’ll never forget seeing her in her hospital bed and muttering the last words I would ever say to her. I will also never forget how my grandfather died shortly after. After all, they had been married for more than 50 years. […]
Who is This Man and What Did He Do with My Husband?
Photo: Ruth and Michael French, NY Times video Thirty years ago, Ruth married Michael French, a smart, good-natured, hardworking man. Michael was an engineer, lectured at conventions, did volunteer work, belonged to a history book club, and ran marathons. Things seemed great and the couple enjoyed spending time together in their New York City apartment. […]
Estate Planning for the Modern Family
Q. My family is not what many would consider “ordinary.” I am divorced and have been remarried for five years. I have a 40-year-old stepdaughter, a 25-year-old daughter, and a 10-year-old grandson, all of whom reside with us. My mother lives with us, as well, in a large home that I purchased with her, my brother, and his husband. Any suggestions when it comes to estate planning for my “modern” family? […]
What Happens if You Die Without a Will in Virginia, Maryland, or Washington, D.C.?
Q. I am retired and recently moved to the DC area to be closer to my daughter, her husband, and my three grandchildren. I have lived a pretty simple life, and don’t have a lot. Although I am now in my early 70’s, I have never done estate planning. After reading your newsletter and perusing […]
Everything You Need to Know About the New Medicare Cards
Q. I heard that Medicare recipients are supposed to be receiving new cards beginning this month. I have some questions about this that I hope you can help answer. Thanks in advance for your help. Q1. What changes will be reflected on the new cards? A1. The Medicare Access and CHIP Reauthorization Act (MACRA) of […]
What the SSA Wants You to Know During National Social Security Month
Dear Ribbit, I am getting ready to retire, and want to make sure I make the most of my Social Security benefits. What are some things I should know and actions I should take? Thanks, Ben Afitts —- Dear Ben, The Social Security Administration (SSA) has declared April National Social Security Month, and the agency […]
A Prosthetic Brain to Improve Memory?
U.S. Army veteran, Steven, is missing his left leg from a war injury. He wears a prosthetic leg, and it enables him to walk. For those who are missing an arm or leg, an artificial limb (or a prosthesis) can often replace it. A prosthesis can help you to perform daily activities such as walking, […]
Internet Scams Targeting the Elderly
Q. My Aunt Julie was recently the victim of tax-related fraud. She explained what happened and I knew right away that it was a scam targeting the elderly. Someone claiming to be from the IRS called her and told her that she owed back taxes and threatened that, unless funds were wired immediately, legal action […]
You Don’t Smile Anymore . . . What’s Wrong?
Gerald has plenty of reasons to be pleased with his life. He had a career as a successful business owner, and now he enjoys a comfortable retirement with his wife, Mary. He has four grandchildren with whom he spends as much time as possible. And yet Gerald wears a constant expression that others might interpret […]
Is Social Security Taxable?
Q. I retired last year, and started receiving Social Security benefits. I am getting ready to do my taxes, and was wondering if I have to pay federal or state taxes on my Social Security income. My understanding was that Social Security is considered a tax-free benefit, but I heard that is not always the […]
What If I Claimed Social Security Too Early?
Dear Magic, In June of 2010, when I was 62 years old, I decided to quit working and take Social Security. I was afraid Social Security might go away before my full retirement age, or that I might die before that time, so I went ahead and locked in at the lower benefit. I also […]
Paying for Long-Term Care . . . through Payroll?
Laurie Jinkins, a state representative in Washington state, has a mother-in-law who is 92, and who has dementia. She recently needed nursing home care, and qualified for Medicaid. Norm Johnson, also a state representative in Washington, used up much of his savings paying for in-home aides for his mother. His father spent so much on […]
Do You Need a Representative Payee for Social Security if You Have a Financial Power of Attorney?
Q1. My long-time friend, Ellie, is a widow who lives alone and never had children. Without family members to help, and dealing with her own dementia-related challenges, she’s finding it more and more difficult to manage her day-to-day finances and expenses, which she pays almost exclusively with her monthly Social Security income. She recently received […]
Are Filial Responsibility Laws Preempted by the Federal Nursing Home Reform Act?
In October 2010, Doris Pike was admitted to Corry Manor, a nursing home in Pennsylvania. At that time, her husband, Levere, signed an agreement with the facility, promising to use his wife’s assets to pay for nursing home care provided to her. The agreement also required Mr. Pike to assert that he had legal access […]
Should Dad Give Up His Guns?
Q. My father loves three things most in life: his antique cars, his dogs, and his guns. The shooting range has been like a second home to him since mom died. It’s the place he gathers with buddies to socialize and let off steam. Dad is now 73, and is receiving treatment for Parkinson’s disease. […]
Those Late-Night Golden Girls Reruns Could Be Bad for Your Health
Joan is tired all the time. It could be because she’s a night owl who reads books and doesn’t like putting them down, or because she watches reruns of the Golden Girls and Frasier late at night. Joan’s daughter began noticing texts and Facebook posts from Joan at 2am. When confronted, Joan didn’t see where […]
They Never Visit, and It’s Killing Me!
Q. I live an hour away from both my daughters and their families, but they never visit me. I am aware that they are busy with soccer games and other activities, but I wish they could make the time to come see me once in a while. It’s true, I live in a senior community […]
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