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Supplemental Insurance

Supplemental health care insurance provides additional coverage on top of your senior’s primary health care insurance. It will cover some of the costs that primary coverage does not, including deductibles and co-pay fees. Some plans also cover non-medical costs such as: transportation lodging long-distance phone calls child care Disease-specific insurance helps cover costs related to …

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Special Needs Trusts

Parents and caretakers of children and the elderly with special needs are faced with daily challenges which make it difficult to do much in the way of planning or preparing for the future. The “take-it-one-day-at-a-time” approach may work most of the time. However, experts say parents of special needs children or the elderly should pause …

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Reverse Mortgage

Reverse mortgages allow seniors to convert the equity in their homes into available cash as: monthly payments a one-time sum a credit line to be used in case of emergency These payments provide seniors with money for: living expenses home improvements pay-off of the existing mortgage(s) other expenses This unique financial tool can be the …

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