The Complete Cardinal Guide
TO PLANNING FOR AND LIVING IN
RETIREMENT
WE HELP YOU EMBRACE THE 7 WORRIES IN RETIREMENT
How much will Medicare cost me yearly?
We get this questions about yearly cost a lot from clients. The cost of Medicare is hard to sum up because it is so different for every person. While some parts of Medicare everyone has, there are other parts of Medicare that individuals get to choose. Due...
What do I need to do during Medicare Annual Enrollment in 2018?
There are 5 decisions you need to make every fall during the Medicare Annual Enrollment Period. The Annual Enrollment Period spans from October 15th to December 7th and is the only time certain changes can be made to Medicare coverage. Hans Scheil, CFP®...
What to do if you have a Medicare Supplement during Annual Enrollment
During the Medicare Annual Enrollment Period that takes place every fall, there are a lot of mixed messages aimed at Medicare beneficiaries about the pressing deadline of having to do something. But what exactly is this something that you need to do? The...
What is the Long-Term Care Partnership Program?
Getting long-term care insurance can be time consuming, stressful, and expensive; it is important to get the most out of the policy you end up choosing. If you go with a Traditional Long-Term Care insurance policy, one perk you have access to...
Can I get Long-Term Care Insurance with Pre-Existing Conditions?
Absolutely yes, you can get coverage for long-term care if you have pre-existing conditions. It is a misconception that you can't get coverage if you are not 100% healthy. While not having any conditions might get you a better rate, it is not impossible to...
Does Medicaid pay for Long-Term Care?
The short answer to this questions is yes, Medicaid will pay for long-term care services. Medicaid covered at least 6 in 10 people in nursing homes in 2014. While they will pay for it, it is not the best option for everyone, and everyone will not qualify,...
Does Medicare Pay for Long-Term Care?
“Medicare does not pay for long-term care, so you may want to consider options for private insurance.” This is stated on every person's Social Security Earnings Report (as seen in the photo), yet many people still have not planned how they...
How Do I Pay for Long-Term Care?
Seventy percent of Americans that are 65 or older are expected to need long-term care services at some point in their life, according to the U.S. Department of Health and Human Services. Unfortunately, when people need care, they are not...
What is Long-Term Care?
Long-term care has evolved a lot over the course of the last few decades in the United States, but it is still a mystery to many. On a basic level, long-term care is a variety of services that help people live as safely and independently as...
What happens when one spouse goes on Medicare and the other isn’t eligible?
While it would be convenient for spouses to have the exact same birthday, this is not usually the case. For many couples, their age gap becomes a problem when it comes time to sign up for Medicare. When one spouse goes on Medicare and the other spouse is...
