Archive for October, 2013

Retire Comfortably

RetirementRetirement- what a grand thought! Carefree living that you have been preparing for your entire career. There are so many factors to take into consideration when planning for this joyous time. Here is a guideline to help make sure you truly are prepared to take that leap into a comfortable retirement.

 

 

 

 

http://money.usnews.com/money/blogs/the-best-life/2013/05/07/10-retirement-concerns-to-prepare-for

Alzheimer’s Awareness

downloadLife is filled with so many uncertainties. Someone can be healthy as a horse one day and diagnosed with a life threatening illness within weeks. It is so important to plan for the best and worst life events. Not just for your piece of mind,┬ábut to ensure your family is properly taken care of. For example: Did you know 1 in 3 elderly people are diagnosed with dementia or Alzheimer’s? That statistic is scary!

Why do you need to knowa bout Alzheimer’s and dementia? First, you should know that the diagnosis of Alzheimer’s is now on the list of the government’s compassionate allowance illnesses. This allows the fast-tracking of Social Secruity disability benefits.

Second, all types of products are beneficial to people in this situation. There are long term care policies that provide important benefits.

Third, There are leveraged life insurance and annuity products that provide long term care benefits that do not put the premiums in jeopardy unless benefits have been claimed. This means that you can pay and pay and never get to use the benefits. If you don’t make a claim, you and your family keep the money. If you do make a claim, your money will provide more benefits.

Fourth, if you are already on claim, Medicaid annuities can be used to change “countable” assets into “non-countable” income. This can preserve assets for the family.

Here is an article to help prepare you for Alzheimer’s

http://www.kiplinger.com/article/insurance/T027-C000-S002-planning-for-alzheimers.html