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Children With Special Needs and Life Insurance

A family with a special needs child can use life insurance in two ways. In one situation, parents may consider purchasing life insurance for their child’s life, addressing the possibility of outliving them. Alternatively, parents may use a life insurance…

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Hearing Loss Poses Unexpected Health Risks

According to a 10-year study by the Journal of the American Medical Association (JAMA), hearing loss has been linked to a variety of health risks. The risks include a 50% greater risk of dementia, a 40% greater risk of developing…

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How to Avoid Mistakes With Beneficiaries

Most likely, you have a beneficiary, as beneficiary designations are common in retirement accounts, wills, and trusts. A beneficiary is an individual (or legal entity) to receive the proceeds from a financial product or vehicle when the owner passes away.…

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Caregiving From a Distance

Long-distance caregiving is defined by the National Institute on Aging (NIA) as providing care for someone who lives an hour or more away. This type of caregiving takes many forms – from arranging for in-home care, money management, bill paying,…

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How Life Insurance Is Involved With Estate Planning

At first glance, life insurance may not seem to have any bearing on how assets are distributed in your estate plan. However, life insurance can be an integral, indispensably important part of a well-thought-out estate plan. There are numerous other…

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The Benefits of Home Improvement for Older Adults

As the population ages, most Americans want to remain living in their homes and in their communities as long as possible. As a result, many homeowners are taking steps to modify their homes so they will be able to safely…

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The Importance of Exercise and Physical Activity as We Age

It's well known that exercise and physical activity benefit people of all ages, but their importance increases with age. Regular exercise and physical activity can help you to: Maintain or improve physical strength and fitness; Continue to do daily activities…

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The Medicaid Penalty Period and How to Avoid It

For nursing home care, assisted living, in-home care, or adult foster care, individuals must meet the income and asset requirements of the Medicaid program. As a result of these rules, many candidates give away their money and resources to qualify.…

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