Author Archives: T.C. Kelly

About T.C. Kelly

Prior to his retirement, T.C. Kelly handled litigation and appeals in state and federal courts across the Midwest. He now writes about legal issues for a variety of publications.

How Can Seniors Beat the Heat

Older man out walking in the park. He is holding a water bottle in his left hand and toweling his face with his right hand. It appears to be a very hot day.

Updated June 2025 In June, 2025, record-shattering heat waves swept into parts of the US., baking the Plains to the east coast of the US., with mercury heating up into triple digits.  Early estimates pegged 147 million would be sweltering in very dangerous conditions. Nor are other parts of the country immune, as last year’s deadly heat […]

How to Avoid Penalties for Late Enrollment in Medicare

Medicare enrollment form with a pen and a pair of glasses on top. Form has not yet been filled in.

Most seniors understand that Medicare provides various kinds of health insurance. Seniors who are eligible for Social Security benefits paid for Medicare coverage through their payroll taxes during their working years. For that reason, some Medicare benefits are free. Other benefits are available at a lower cost than private insurance companies would charge.  Seniors who […]

Easing into Gradual Retirement

Senior Couple Enjoying The Deck of a Cruise Ship

Updated April 2025 Some seniors have little choice about their retirement dates. While it is unlawful to fire an employee because of age, businesses often invent excuses to terminate the employment of older workers. Some employees become less able to perform physically demanding jobs as they age. Employees who can no longer work in their […]

Should AARP Members Rely on AARP Endorsements?

Medical Clinic

Updated May 2025 Originally known as the American Association of Retired Persons, AARP is the largest membership organization in the United States. Seniors rely on AARP for advice, product discounts, and lobbying efforts to advance the interests of older Americans. A June 2022 article in Fortune asks whether some of AARP’s endorsements might further the […]

Which Memory Care Facility Is Best for My Loved One?

Updated April 2025 Studies suggest that 40% to 47% of people who have reached the age of 65 report some degree of memory impairment. While memory loss may lead to the fear of dementia, most memory loss does not have a significant impact on day-to-day life. Only 5% to 8% of people over the age […]

Prescription Drug Pricing Reform: Shaping Up or a Bust?

Rising inflation is squeezing the budgets of seniors with a fixed income. While seniors search for strategies to cope with inflation, there is little they can do about healthcare costs. Prescription drugs are a necessity many seniors can’t live without.  Unfortunately, the price of many prescription drugs is rising faster than inflation. A recent analysis […]

7 Tips for Seniors to Get a Good Night’s Sleep

Research shows that people often have more difficulty falling asleep and gaining a full night of restful sleep as they get older. On average, it takes about 13 minutes to fall asleep after going to bed and turning out the lights. Two thirds of individuals fall asleep on most nights within 7 to 20 minutes. […]

How Can Older People on Fixed Incomes Cope With Inflation?

An older couple sits at a table discussing financial documents. The woman is speaking and the man has his heads in his hands with a worried look on his face.

Inflation is making headlines, not just in the United States but around the world. As the pandemic winds down, consumers are returning to their former buying patterns, create a surge in demand. Suppliers are having difficulty meeting that demand, in part because it takes time to gear up production, in part because the economy is […]

Meeting the Challenge of Financing Long-Term Care

Money100 dollar bills

In an ideal world, younger individuals will plan for their retirement years. An ideal plan will provide not just a retirement income that allows a retiree to maintain a comfortable lifestyle, but funds assisted-living arrangements if the senior is unable to live independently. Long-term care insurance may help seniors achieve the latter goal. As NerdWallet […]