Just between you and me, what you don’t know could hurt you Imagine you have a nineteen-year-old daughter away at college about three hundred miles from your home. Her roommate calls to say there’s something terribly wrong. She tells you that your daughter is speaking incoherently and behaving unusually, and you hear it for yourself when your daughter is put on the phone. Knowing that there’s a serious medical problem, you suggest that the roommate […]
When a child who has special needs becomes a legal adult (18 years old in most states), a parent is no longer recognized as a person who can make decisions for that child. If your child is two to three years or less from this significant birthday, this is the time to evaluate your situation. What changes? What’s at risk? “Depending on your child’s level of self-care and decision-making abilities, leaving your child to make […]
The Disabled Military Child Protection Act, signed into law by President Obama in December, 2014, changed the law affecting retirement benefits for military personnel – and opened the door to improving the financial futures for military dependents with special needs. No longer an either/or choice Before this legislative change, a military parent, through his or her military retirement plan, could provide survivor benefits for a child with special needs. It could supplement the child’s income, […]
BY ROBERT WRUBEL, CFP®, AIF® WE SHOULD USE LIFE INSURANCE TO COVER POTENTIAL LOSSES AT THOSE TIMES WHERE THE LOSSES ARE OTHERWISE UNAFFORDABLE. Harry Potter fans know that Harry’s house was protected by an unbreakable charm. He was safe from frightening foes as long as he was inside the protection. Harry did not know about the protection until he was close to being an adult, but the protection was in place all the same. As […]
MANAGING YOUR MEDICAL BILLS & INSURANCE PAPERWORK: TIPS FOR MAXIMIZING REIMBURSEMENT BY HARVEY J. MATOREN, MPH, CCAP Do you become frustrated and overwhelmed when managing your medical bills and filing your health insurance claims? You’re not alone. It can be extremely difficult for the average patient or caregiver to get through the “maze of insurance land.” For people with a chronic or terminal illness, or acute episodes of illness as well, managing and filing insurance […]
