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Long-Term Care Insurance Industry Shakeout

Those considering long-term care insurance should be aware of recent several changes in the long-term care insurance industry. Guardian stopped offering the insurance as of December 31, 2011, and Prudential will no longer be offering individual coverage after March, 2012. MetLife exited the market at...

Long-Term Care Partnership Policies - Watch Out for Expanded Medicaid Estate Recovery

The Raleigh News & Observer recently commented on the surging insurance rates for long-term care insurance (LTCI) policies in North Carolina, the article for which can be read here . Yet it seems that an increased prevalence of premium hikes isn't the biggest concern that LTCI policyholders in...

Online Legal Documents are Deficient

A recent article in Consumers Reports featured a blind test of online legal documents by three law school professors. Their conclusion: Using any of the three services is generally better than drafting the documents yourself without legal training or not having them at all. But unless your needs are...

Memory Loss, Retirement and Aging

Memory loss comes in many forms. From mild cognitive impairment and dementia, to the severe effects of advancing Alzheimer's, the number of senior citizens affected by memory impairments is only going up. 1 in 5 Americans over the age of 70 are afflicted by some type of memory loss. Families often...