George and Ginny had a great marriage, with an extended family to whom they wanted to leave everything when they passed. Unfortunately, Ginny was then diagnosed with cancer. She began to worry: What could happen if she died before George did, and George remarried? Or vice versa? What if the second spouse started pushing to...Read More

Jack and Doris wanted to divide their property equally between their three children. The house should to go to daughter Mary who loved it, and the rest of their estate should be apportioned equally between sons Bob and Francis. Jack and Doris’s attorney drafted a will distributing the modest remainder to the sons and the...Read More

There are many benefits available to wartime veterans, surviving spouses, and children. First let’s discuss who qualifies as a wartime veteran. A wartime veteran is one who served active military duty during one of the eligible wartime periods. They include the Mexican Border Period, World War I, World War II, the Korean Conflict, the Vietnam...Read More

The importance of making end of life preparations cannot be stressed enough. Many put off making these plans thinking there is always time. The sad reality is that none of us are guaranteed time. Others may be bothered by the thought of death itself and allow this to paralyze them when it comes to making...Read More

Medicare and Medicaid have long been a mystery to many consumers. In fact, it can baffle and confuse even some of the smartest citizens. Like me, you might have thought, “I don’t need to worry about this right now.” However, it is never too early to gain a little understanding and awareness that just might...Read More

One day William’s daughter read in an article that a will was not the best way to leave property to heirs. Wills often involve long and expensive court proceedings and there are other, more-efficient ways to pass on savings to family. But William was a person who knew his own mind, and he felt sure...Read More

Long term care insurance was sold aggressively in the 1980s, 90s and thereafter to offset the costs of seniors needing to live in a nursing home, assisted living or needing at home health care. Now, however, the business of long term care insurance has dramatically changed. What was once over 100 insurers providing LTC policy...Read More

Roughly half of all Americans don’t have a will, so if you’ve already taken this vital step to protect your assets and successors then congratulations are in order – you’re already ahead of the curve. While a will is a necessary document that every person who owns assets should have, it is still a relatively...Read More

Veterans Aid and Attendance is a benefit paid by the VA to veterans, veteran spouses or surviving spouses in addition to a veteran’s basic pension. The Aid and Attendance Benefit is focused on paying for long-term care. For those who qualify, this benefit usually allows for receiving tax-free cash every month paid directly to the...Read More

Too often, a veteran may be entitled to a number of benefits, but there is nobody to let them know they accrued it. Carlos Perez, assistant secretary at the American Armed Forces Mutual Aid Association (AAFMAA), the longest-standing U.S. not-for-profit association for veterans agreed in a published interview. “We tell veterans that the military, like...Read More