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Preventing Falls in Your Home
Did you know that, according to the Centers for Disease Control and Prevention, falls are the leading cause of both fatal and non-fatal injuries among older adults (age 65 and up)? Because fall hazards in the home is one of the leading causes of these types of injuries., securing your home (or an elderly loved […]
Surgeon Scorecard Reveals Complication Rates by Specific Surgeon and Hospital
In the last year of our lives, almost a third of us will undergo a major surgery. Among adults over age 45, heart surgeries and surgeries on the musculoskeletal system (knee and hip replacements, for example) are most common. Once we reach the age of 65, we undergo surgeries at a rate much higher than […]
Borrowing the Cash Value from a Life Insurance Policy to Pay the Cost of Senior Care
There are essentially two types of life insurance policies: Term life insurance Cash value life insurance Term insurance is pure insurance protection and lacks a “saving” or “investment” element. Cash value insurance, on the other hand, blends term insurance with a savings or investment component. Cash value insurance policies are sold as whole life insurance, […]
Using the “Living Benefit” Rider in Your Life Insurance Policy to Pay for Senior Care
Updated April 2026 Many life insurance policies now contain a provision enabling a person who is terminally ill to essentially receive an advance, during his or her lifetime, of the “death benefit” that would otherwise have been paid to the designated beneficiaries at the time of his or her death. “Living benefit” provisions are very […]
Selling Your Life Insurance Policy as a Viatical Settlement or Senior Settlement to Pay for Senior Care
Updated December 2025 As Benjamin Franklin’s said – “Nothing is certain except death and taxes.” If you own a life insurance policy, and continue to make premium payments on time, the life insurance company will be expected to pay out the face value of the policy, less any liens or advances paid. This only applies […]
Resources for Family Caregivers
The following list of organizations and companies is provided for informational purposes only. This directory is not comprehensive, but it does include some excellent resources to help you jumpstart your research. While visiting these websites, be aware that some are reputable government sites; others are commercial businesses that may request you fill out a form […]
“Need help changing a light bulb?”— It Takes a Village to Care for an Aging Population
Updated January 2026 The African proverb “it takes a village” meant raising a child, but today it also applies to caring for an aging population. Today’s new villages are an integral part of the growing movement to provide the support and services that will help America’s rapidly aging population “age in place” in their own homes […]
My Mother Lives in the Backyard: The Granny Pod Evolution
Updated December 2025 If that’s your answer to queries about where your elderly mother lives, you and your mom are part of one solution for the looming problem of how to care for America’s rapidly aging population, which is growing at the rate of some 4 million seniors each year. Maybe your mother lives in […]
Don’t Be Blindsided: What Medicare Won’t Cover
Updated February 2026 Your parents are enrolled in Medicare and they’re insured for hospital, outpatient visits and drugs, so their basic health needs are covered. Well, yes and no. Don’t be blindsided. There are some glaring gaps in coverage–especially when it comes to an aging population–and you should be aware of those gaps and what […]
Preparing for Medicare Open Enrollment: Should Your Elderly Loved One Change Plans?
Updated March 2026 Every fall, Medicare recipients–your parents included–are bombarded with notifications about the upcoming “open enrollment” period and their options for switching coverage. As you read them, be aware that these notifications basically are advertisements for the different plans. This annual “open enrollment” period, currently from about October 15 through December 7, should not […]