Letter of Instruction for Your Estate Plan

Posted by Neil Covert | Oct 24, 2020 | 0 Comments

Letter of Instruction for Your Estate Plan Whether you are starting from scratch or have an estate plan in place a letter of instruction (LOI) is an important part of any comprehensive plan. A letter of instruction can help your loved ones manage important information about you. A LOI conveys y...

The Differences Between Wills and Trusts

Posted by Neil Covert | Oct 17, 2020 | 0 Comments

Wills and trusts have specific and quite different benefits for estate planning purposes. Each state has specific laws and regulations governing these legal documents. You can have both a will and a trust; however, the information in each should compliment the other. As a standalone, it is not ac...

Ten Tips to Help Seniors Reduce the Risk of Falling

Posted by Neil Covert | Oct 11, 2020 | 0 Comments

Ten Tips to Help Seniors Reduce the Risk of Falling The Centers for Disease Control and Prevention reports one out of five senior falls causes a serious injury like a broken bone or head trauma. Injuries of this sort can make life difficult for an older person to do everyday activities or live on...

Looking for the Silver Linings Amidst a Pandemic

Posted by Neil Covert | Sep 19, 2020 | 0 Comments

Looking for the Silver Linings Amidst a Pandemic Record unemployment rates related to COVID-19 business closures have hurt business owners and their workers, many of whom are 50 years and older. Though workers of all ages have felt the effects of unemployment or reduced working hours, older worke...

The Top Ten Myths About Risks for Alzheimer’s Disease

Posted by Neil Covert | Sep 13, 2020 | 0 Comments

The Top Ten Myths About Risks for Alzheimer's Disease Polling shows that the number one worry for Americans as they age is memory loss, outpacing fears of insufficient monies, and loneliness. The most prevalent among all dementia is Alzheimer's disease. According to the Alzheimer's Association Fa...

Beneficiary Designations: Pitfalls You May Not Know About

Posted by Neil Covert | Sep 05, 2020 | 0 Comments

Beneficiary Designations: Pitfalls You May Not Know About You might think that leaving your property to your heirs would be simple enough. You make a will or a trust, you do a transfer-on-death deed for your real estate, you put your kids on your bank account, you designate beneficiaries for your...

Finding a Continuing Care Retirement Community

Posted by Neil Covert | Aug 15, 2020 | 0 Comments

Finding a Continuing Care Retirement Community Continuing care retirement communities (CCRC) are gaining in popularity across the United States. Sometimes referred to as life plan communities, the goal is to provide a long-term care option for older residents. These residents prefer to live in th...

Alzheimer’s and Family Caregiving

Posted by Neil Covert | Aug 01, 2020 | 0 Comments

Alzheimer's and Family Caregiving This year, in 2020, a significant portion of the American baby boomer generation has reached the age of 65 or older, which increases their risk for Alzheimer's and other forms of dementia diseases. By the year 2030, the 65 plus age segment of the population will ...

Health Care Power of Attorney: Specific or General

Posted by Neil Covert | Jul 25, 2020 | 0 Comments

Health Care Power of Attorney: Specific or General You have the right to decide what kind of medical treatment you want to receive from doctors and health-care providers. If you can speak up at the time, you can express your wishes yourself. But if you become incapable because you're ill or inju...

Beneficiary Designations: Pitfalls You May Not Know About

Posted by Neil Covert | Jul 18, 2020 | 0 Comments

Beneficiary Designations: Pitfalls You May Not Know About You might think that leaving your property to your heirs would be simple enough. You make a will or a trust, you do a transfer-on-death deed for your real estate, you put your kids on your bank account, you designate beneficiaries for you...

Challenging Health Care Bills

Posted by Neil Covert | Jul 11, 2020 | 0 Comments

Challenging Health Care Bills We owe immense gratitude to those who are caring for the sick, and to those who support those workers. At the same time, we should be skeptical of bills we may be presented for that care. The struggle to contain health-care costs in this country is now a fixture in ...

Family Caregiving During the Coronavirus

Posted by Neil Covert | Jul 04, 2020 | 0 Comments

Family Caregiving During the Coronavirus There are new challenges to meet for family systems with loved ones who are most vulnerable to the coronavirus yet still require caregiving. Family caregivers that use to aid their family directly, now find themselves learning how to be long-distance provi...

Who Should Make Financial Decisions for You?

Posted by Neil Covert | May 16, 2020 | 0 Comments

Who Should Make Financial Decisions for You? Who should you trust to manage your financial well being when you are no longer able to do so? A power of attorney (POA), otherwise known as an agent to your principal, has the legal authority to represent and make decisions on your behalf. What charac...

The Hardest Question: Who Draws the Line?

Posted by Neil Covert | May 09, 2020 | 0 Comments

The Hardest Question: Who Draws the Line? In this Covid-19 epidemic, a wrenching question especially demands an answer: if you or someone you love is taken down into life-threatening illness, how far would you want extreme life-prolonging measures to be tried? For us who are particularly vulnerab...

Staying Mentally Sound During the Coronavirus Pandemic

Posted by Neil Covert | Apr 27, 2020 | 0 Comments

Staying Mentally Sound During the Coronavirus Pandemic Many of us are facing unprecedented challenges during this coronavirus crisis in America, and it has increased anxiety and fear levels in all of us. The reactive part of your brain called the amygdala, a human physiological response when face...

Telehealth Replaces Many In-Person Medical Appointments

Posted by Neil Covert | Apr 12, 2020 | 0 Comments

Telehealth Replaces Many In-Person Medical Appointments Through the use of videoconferencing over wireless devices and remote health tech monitoring, telehealth can connect patients to vital health care services. According to the American Hospital Association (AHA)fully 76 percent of US hospitals...

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