Elder Law Issues

Thursday, July 11, 2013

Long-term-care insurance

There was an interesting article in the Wall Street Journal recently on long-term-care insurance.  The article sounded an alarm for people who have, or are interested in, long-term-care insurance.  Here are a few of the comments in the article:

The long-term-insurance industry now is shrinking, premiums are soaring and there is no fix in sight.
[I]nsurers underestimated how fast medical costs would rise, and how many seniors would actually use the benefits.
Many once-prominent sellers of long-term-care insurance are in full retreat.  Five of the

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Wednesday, June 26, 2013

Meicare and the Affordable Care Act (Obamacare)

Many thanks to Maria Browne at Elmwood at the Shawhan for inviting Jane and me to present a program at Elmwood to discuss the impact of the Patient Protection and Affordable Care Act ("ACA" or “Obamacare”) on Medicare benefits for seniors.  The ACA has, of course, been in the news and will be more so as 2014 approaches and several large components of the ACA are to be implemented.

What we found in our research is that the ACA's impact on Medicare can be seen at two levels.  On the first level, Medicare benefits

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