Hi Toni: This week, I went to see my primary care doctor and his office said that since Medicare is primary on my insurance, I would have to pay the complete bill and file the claim with Medicare myself. I am 68 years old and decided to retire with a May 1st effective...
[vifblike] Dear Toni: Recently my 66-year-old husband had a stroke leaving him unable to take care of himself. Because he is not working fulltime, he has qualified for Medicare Part B with a Medicare Supplement. My husband, Joe needs 24-hour care which is going to...
Your Savings and/or 401K Could Be Wiped Out By Long-Term Care Costs Dear Toni: Recently my 66 year old husband had a massive stroke leaving him unable to take care of himself. Because he is not working fulltime, he has qualified for Medicare with a Medicare...
A long term care or chronic illness condition can be very costly Morning, Toni: I am a 68 male retiree with a wife who is turning 65 in May, 2016, and my main concern regarding retiring is how I can pay for a long term care situation without wiping out my 401K? My...
Dear Toni, I have read your column with great interest for years knowing that one day this time would come. My mother is almost 88 years old and in dire need of help at home with everyday routines, such as bathing, dressing, toileting, shopping and meal...
Dear Toni: A few months ago, you wrote about other options for long term care. You mentioned life insurance with living benefits and this confuses me because I thought all life insurance was the same. I thought there was only term and whole life. How does this new...