Long-term care is the “hidden” expense of retirement.
Many families realize too late that Medicare isn’t designed to cover extended stays in a nursing home or 24-hour home care.
This collection of articles provides the clarity you need to avoid those costly surprises. Below are our best resources to help you compare insurance options, understand government rules, and build a plan that keeps you in control of your care.
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Long Term Care Illness…Baby Boomers Biggest Retirement Expense Morning, Toni: I read your recent article about the cost of nursing homes nationwide and I am concerned that I may wipe out my 401K or savings if a long-term care need arises. I am a 68-year-old retiree...
Morning, Toni: I read your Medicare column regularly and have never seen you address the issue of paying for an Alzheimer facility care. I am concerned that I may wipe out my 401K or savings if the arises due to long-term care or Alzheimer’s need arises for me or my...
Mom Has to Pay 100% for Skilled Nursing Stay…Why? Dear Toni, Please explain why my Mom must pay 100% for her Skilled Nursing stay. She recently slipped and fractured her back requiring surgery and a back brace. She was released from the hospital after only a 2-day...
Does Medicare Pay for a Long-Term Care Need? Toni: Recently my older sister had a stroke and needs extra care at home. I was told from friends at church that Medicare will help to pay for her at-home care. I cannot find any information about Medicare paying for...
Are You Prepared for An Unexpected Accident or Illness? Hi Toni: Recently, I had a bad car wreck and ended up in the hospital with only a minor concussion from hitting the windshield and my wife was not hurt at all. I was surprised when the hospital asked for my...
Will Medicare Cover Long Term Care Issues Caused By COVID-19? Morning, Toni: I read your recent article about COVID-19 and Medicare and recently my husband has contacted this terrible virus. He has been in ICU due to his delicate health issues because he is an...
Receiving Long Term Disability…Now My Medicare Nightmare Begins? Reader Alert: Many company benefit plans terminate the day you are no longer working full-time. Explore you or your spouse’s group medical plan rules and options with Medicare if you are 65 or older....
Is A Memory Care Facility Covered by Medicare? Morning, Toni: I have never seen you address the issue of paying for a Memory Care or Alzheimer facility and Medicare. I am concerned that I may wipeout my 401K or savings if need arises due to a long-term health issue...
Toni, I have a friend who just received a bill from the state of Texas for his mother's Medicaid nursing home care. No one informed him that Medicaid (the State of Texas) was running a tab of the entire healthcare that Medicaid paid and would take his mother’s house....
Reader Alert: This week, I received a shocking text message from one of Toni Says® Medicare Supplement clients that I would like to share with the Toni Says® readers. You may never know when you or one of your family members will experience a life changing medical...
