What Is Memory Care, and What Are Its Benefits?

Memory care is specialized care for patients living with Alzheimer’s disease, dementia, or other conditions that cause memory loss. Hospitals and nursing homes may have memory care units or a separate entity dedicated to this service. Memory care provides seniors with...

Should an SSI Recipient Refuse an Inheritance?

Supplemental Security Income (SSI) beneficiaries must comply with very stringent income and asset rules to receive benefits. One such rule is the resource allowance limit: A single SSI beneficiary may have only $2,000 of countable resources (for a couple, $3,000)....

ABLE Account Age Adjustment a Bright Spot in Omnibus Passage

The Senate and House have cleared the passage of a year-end $1.7 trillion appropriations bill that will affect people with disabilities on several fronts. The bill, which runs more than 4,000 pages and includes a wide variety of legislation, heads to President Biden...

What Is IRMAA, and How Does It Affect My Medicare Premiums?

As we near retirement, we may assume that once Medicare kicks in, our medical insurance premiums will be fixed. However, many people may not realize that there are special rules regarding how much they pay for Medicare Parts B and D if they are in a higher income...

Medicare Part B: Coverage Outside of a Hospital

Medicare Part B is federal health insurance for the medical needs of people 65 and older and individuals with certain qualifying disabilities. Generally encompassing outpatient medical care, Part B coverage includes medically necessary doctor’s services, preventive...

The Benefits of Continuing Care Retirement Communities

Many options are available for those planning where to live and receive care during their retirement years. Independent living communities are for healthy, active older adults. Assisted living facilities suit those who need help with activities of daily living, such...

What Is a Health Savings Account? Will Medicare Affect Mine?

A health savings account may help you save money on medical expenses, depending on your insurance type. If you are eligible, you can use your health savings account (HSA) to cover certain medical costs, according to HealthCare.gov. How Does an HSA Work? If you have a...

Assisted Living vs. Nursing Homes: What’s the Difference?

Assisted living facilities and nursing homes are long-term housing and care options for older adults. Although people sometimes use the terms assisted living and nursing home synonymously, they are distinct. Understanding the differences between assisted living and...