Want to Age-Proof Your Brain? Here's How - Part 2

Here are more ideas for how you can prevent Alzheimer's or dementia. And if you follow them, you can prevent Alzheimer's or dementia! 

The Spice of Life 

Good news for spice-a-holics! Spices are as good for your brain as they are for your taste buds. Herbs and spices such as black pepper, cinnamon, oregano, basil, parsley, ginger and vanilla are high in antioxidants, which may help build brainpower. And curcumin, the active ingredient in turmeric, may be the most powerful of all. Scientists believe it eliminates plaque in the brain. 

Find Your Purpose In Life 

Discovering your "mission" in life can help you stay sharp, according to a study of older adults. Over a seven-year period, participants with clear goals and passions were less likely to develop Alzheimer's. 

Get A Life! 

Having friends and social networks lowers the risk of dementia, by providing emotional and mental stimulation. In fact, subjects in a recent study scored higher on memory tests after just ten minutes of conversation with another person. 

Improve Your Health 

Chronic health conditions like diabetes, obesity, and hypertension will increase your chances of getting Alzheimer's. Diabetes, for example, roughly doubles the risk for Alzheimer's and dementia...but controlling your diabetes can delay the onset by several years. That means diet, exercise...and following doctor's orders! 

Are You Deficient In Certain Vitamins? 

Older adults don't always get all the nutrients they need from foods, because of declines in digestive acids or because their medications interfere with absorption. Vitamin deficit - particularly B12 - can also affect cognitive ability. In cognitive tests, seniors with B12 deficiencies had smaller brains and lower scores. Conclusion: If you can't get it from food, get it from a vitamin pill! 

If you've got questions about Alzheimer's or dementia, we have answers - because we have one of the largest Alzheimer's/Dementia Resource Centers in South Florida. 

At The Law Offices of Alice Reiter Feld & Associates, we've been helping South Florida families answer these questions for 34 years. And we've helped them, as well, with comprehensive estate planning, wills, trusts, powers of attorney, long-term care planning, asset-protection plans, and assistance with Medicaid or the VA. 

We can help you, too. And we're just a phone call away.

Want to Age-Proof Your Brain? Here's How - Part 1

If someone told you there are things you can do to prevent Alzheimer's or dementia, would you do them?

Well, I'm telling you! What we eat and how we live and how we think are big factors. In fact, according to a recent study, reducing risk factors such as obesity, diabetes, and smoking by just 25 percent could prevent up to half a million cases of Alzheimer's in the U.S.!

Here are five things you can do to lower your chances of getting it...

1) Move That Butt!

Exercise can reduce dementia risk by 30 to 40 percent. As you age, your hippocampus shrinks, leading to memory loss. But studies suggest that exercise can not only slow this process, but actually reverse it. That's why physically-active people generally have better cognition and memory.

2) Move That Butt, Part II: Get Pumped!

In a study at the University of British Columbia, older women in a weight-training program did 13% better on cognitive tests than women who did balance and toning exercises only.

3) Never Stop Learning!

Learning spurs the growth of new brain cells. But maintaining the same learning routines - crossword puzzles, etc. - is not enough. We're talking about learning new things, and new skills.

4) Let It Go...

Chronic stress floods your brain with cortisol, which leads to impaired memory. Recent Harvard studies showed that mindfulness-based stress reduction (MBSR) - which involves focusing your attention on sensations, feelings and state of mind - reduces cortisol.

5) Go Greek

We've known for years that the Mediterranean Diet - emphasizing fish, vegetables, fruit, nuts, and beans - reduces Alzheimer's risk. In fact, according to Columbia University, it reduces risk by a staggering 34 to 48 percent!

At The Law Offices of Alice Reiter Feld & Associates, we can show you a hundred ways to avoid Alzheimer's or dementia - because we've got one of the largest Alzheimer's/Dementia Resource Centers in South Florida!

Over the past 34 years, we've answered questions about these diseases for thousands of South Florida families. And we've answered their questions, as well, about comprehensive estate planning, wills, trusts, powers of attorney, long-term care plans, asset-protection plans, and assistance with Medicaid or the VA.

We can answer your questions, too. And we're just a phone call away.

The Medicare Merry-Go-Round

Too Many of Us Are Ending Up Back in the Hospital After Being Discharged 

A recent report by Dartmouth University researchers revealed that one in eight Medicare surgery patients ended up back to the hospital within 30 days of being released. And, surprisingly, the numbers were even worse for non-surgical patients - one in six!

Based on data from 2010, the results were no better than they were in 2004.

Hospital readmissions are costly - they cost Medicare $26 billion a year. And, according to the study, nearly $17 billion of that cost is avoidable!

Re-admission rates vary widely among counties here in South Florida. For 2010, Miami-Dade County had the state's highest re-admittance rate - 15.1% of surgical patients within thirty days. Broward County was at 14.4%. And Palm Beach County stood at 11.8...the only one of the region's three counties lower than the national average of 12.4%.

Last year, the Centers for Medicare began imposing financial penalties on hospitals with the worst rates. But there doesn't seem to have been much improvement since then.

The solutions, according to one of the authors of the study, may lie mostly with doctors. They should be taking more time to communicate effectively with their patients...and to make sure their patients understand these communications. Dr. Chiang-Hua Chang says that doctors need to be clear about when patients should take their medications. About when they should call their doctors. And that they should have follow-up appointments with their own physicians.

Kind of discouraging, isn't it? We go into hospitals with the reasonable expectation of coming out healthier...not ending up back there in a few weeks.

Medicare can be a nightmare of bureaucracy, inefficiency, and frustration. And every interaction you have with Medicare is likely to lead to even more frustration. But we can help.

At The Law Offices of Alice Reiter Feld and Associates, we practice Elder Law. Over the past 34 years, we've helped thousands of South Florida families navigate the Medicare Maze. And we've helped them as well, with comprehensive estate planning, wills, trusts, powers of attorney, long-term care planning, asset-protection plans, and assistance with Medicaid and the VA.

We can help you, too. And we're only a phone call away.

What, Exactly, is Palliative Care?

Palliative care.

We've all heard the term lately. But how many of us actually understand the term?

To many of us, it's something that takes place only on hospice. To others, it's something that's given only to terminal patients. WRONG - on both counts!

Palliative care can be difficult to pigeon-hole. For some patients, it's pills and traditional approaches such as chemotherapy. For others, it's yoga, acupuncture, or meditation (perhaps to help with chemotherapy). For some patients, it's given in hospitals or on hospice. For others, it's given at home.

Palliative care, really, is about using pain-control to help the patient make the most out of his/her remaining life...whether it's six months or six decades. Even doctors, in fact, often have the mistaken idea that it's only for the terminally-ill. If doctors don't even understand the concept, one can only imagine the mis-information and misperceptions among the patient population!

As a result, tragically, many people who could really benefit from palliative care are not receiving it.

Like hospice, palliative care takes a team approach, with doctors, nurses, social workers, and clergy working together to address emotional issues as well as medical ones...along with help in managing the nightmarish bureaucracy of the healthcare system. Perhaps because of this, some people mistake it for hospice. Palliative care may be used on hospice...BUT IT'S NOT HOSPICE!

It seems to me that doctors ought to learn more about this service, so they can recommend it to patients. And that patients should have the right to be fully informed about the options available to them!

The Elder Care Journey is filled with questions, misunderstandings, and misperceptions. And it's easy to get lost along the way. But we can help. And we can tell you about all the options available to you.

At The Law Offices of Alice Reiter Feld & Associates, we practice Elder Law - and only Elder Law. We've been answering questions for South Florida families for 34 years...and we've helped thousands of them. And we've answered their questions, too, about comprehensive estate planning, wills, trusts, powers of attorney, long-term care planning, asset-protection plans, and assistance with Medicaid or the VA.

If you've got questions, we've got answers. And we're just a phone call away.

"Callous and Despicable" and an "Insult to every American who ever wore a Military uniform"

Yet another so called "veteran's advocate" group has bit the dust but this time they took with them our lieutenant governor and 57 others who are under indictment and an inquiry into the funding of political campaigns.

The quote above is from Florida Attorney General Pam Bondi talking about a scam that purported to raise donations for veterans. Only 2% of the almost $300 million raised ( by illegal gambling schemes) went to veterans; the rest was funneled to the members of "Allied Veteran's of the World" and their so called "affiliates".

Bondi also said, if effect, that using the word "veteran" is a guise for fraud.

No surprise here. Those of us who assist and advise Veteran's regarding eligibility for benefits have seen other scams by companies who exploit the word "veteran". And as an elder law attorney, we see the exploitation of senior citizens in the winter of their lives.

To learn more about scams on veterans, veterans benefits in general and who can assist a veteran, please join us for a once in a lifetime event with guest speaker, Ron Abrams, a veterans benefits expert from Washington, DC. click here.

To see a recent article about scams against elderly veterans click here.

To see an article about the above, click here.

To see the invitation to our event, click here.

If Your Loved One Has a Terminal Illness... Consider Hospice

By now, you may know my feelings about dying hooked up to machines when there's no chance of cure, and about the alternative of dying with dignity on hospice. But you still may not know how easy it is to get your loved one into hospice. 

For example, the patient doesn't even have to stay at a hospice facility. Hospice staff can come to the home, or to the nursing facility. Hospice can often be paid for by Medicare, Medicaid Hospice Benefit, or private insurance. And it's also appropriate for Alzheimer's patients, or simply those suffering from degenerative old age. 

There's only one eligibility requirement - a physician must certify that the patient has a life-expectancy of six months or less. And that's it. 

Hospice care is team-oriented, with nurses, social workers, doctors, clergy, and aides. And the care continues even after the patient has passed, with grief counseling for family members.

Hospice care neither prolongs nor hastens death...although you might be surprised to know that surveys show that patients on hospice actually live longer than those in hospitals. 

Hospice treatment focuses on pain-management and patient comfort, rather than cure, and in helping the family deal with the emotional impact. 

It allows the patient and family to treasure their last days together, in an atmosphere of peace and comfort, rather than rushing nurses, invasive testing, and loud "Stat!" announcements. It relieves the family of the care-giving burden, often allowing the last days with the loved one to be sweet and loving. 

For a long time, hospice has been burdened by false perceptions. And, if you have a loved one with a terminal illness, you're probably burdened with overwhelming questions. But we can help.

At The Law Offices of Alice Reiter Feld & Associates, we've been answering questions about hospice - and every other Elder Journey issue - for 34 years. We've helped thousands of South Florida families. And we've helped them prepare for the Elder Journey, as well, with comprehensive estate planning, wills, trusts, powers of attorney, long-term care planning, asset-protection plans, and assistance with Medicaid or the VA. 

We can answer your questions. And we're just a phone call away.

P.S.: I practice what I preach. My own father passed away just a short time ago - on hospice.

Invitation to a Very Special Veteran's Benefits Program

Veteran's Benefits Program

You are cordially invited

to a rare opportunity to an update on how we can assist our senior veterans and their surviving spouses with the honor and dignity they deserve.

Topics to be covered:

• Income and asset limits
• Status of the "Look Back" period
• Medical proof required
• Fully developed claim program (FDC)
• Who can aid a veteran? Who can charge a fee?
• VA backlogs, cures, strategies and risks
• Where to find the law and updates

Long time Veterans attorney and nationally known expert and author on Veteran's benefits, Ronald Abrams, Esq.

has accepted our invitation to come from Washington to speak to our community about Veteran's Pension Benefits including current Aid and Attendance issues.

Date:       Thursday, March 21st
Where:   South County Civic Center, Delray Beach
16700 Jog Road, Delray Beach, FL 33446

:) Conveniently located to Broward County and South Palm Beach

When:    10:15am - 1pm (Breakfast and networking from 9:30 to 10:15)

This event is FREE

All contributions are welcome.

All proceeds will go to the NVLSP to help our veterans across the nation.

CEUs & CLEs Provided.

Interested in introducing your company? Become an Underwriter, which includes distributing literature. Contact Alice Reiter Feld at: reiterfeld@aol.com

Seating is VERY limited

More information to follow.

To reserve your place please call Tracy at [954]-861-2681

Much thanks to Shalloway and Shalloway for their generous contribution to NVLSP

For information about Ron Abrams and NVLSP Visit www.nvlsp.org

For more information on the "bible" for Veteran's advocate

Veteran's Benefits Manual visit www.lexisnexis.com and visit the "Store".

End-Of-Life Issues

Back in 2000, the Alzheimer's Association Ethics Advisory Panel concluded that advanced-stage Alzheimer's should be considered a terminal disease.

This conclusion led to the realization, by many families, that they should be more concerned with pain-care than cure.

I believe in that same approach to terminal illness - letting the patient die with dignity, and with a focus on pain-alleviation, rather than keeping her alive through feeding tubes.

A study several years ago concluded that Alzheimer's patients with pneumonia or hip fractures die much sooner than patients with those injuries who aren't cognitively-impaired. Several studies have found that palliative care, rather than life-extension, is called for in those cases. And palliative care is much more effectively-given at home or on hospice than in a hospital setting.

Experts have noted that life-extension efforts in end-stage Alzheimer's create extra suffering for patients, and extra burdens for families. That invasive testing should be avoided. And that antibiotics are not called for, as they don't prolong life, and don't contribute to patient comfort.

I agree - emphatically! I believe discussions about end-of-life care should begin shortly after someone is diagnosed with Alzheimer's. I believe the patient should create advance directives stating her wishes about her medical treatment. I believe the patient should create a Durable Power of Attorney, designating a surrogate to make decisions about her care when she no longer can. And I believe the patient should create a Living Will, so her desires for end-of-life treatment are on a legal document, and not subject to interpretation.

If you've got a loved one with Alzheimer's, you're probably overwhelmed with questions...more and more as the disease progresses. And, for every one answer you get, you'll come up with two new questions. But we can help.

At The Law Offices of Alice Reiter Feld, we've been answering questions about Alzheimer's - and a hundred other Elder Law issues - for the past 34 years. During that time, we've answered these questions for thousands of South Florida families. And we've answered their questions, too, about comprehensive estate planning, wills, trusts, powers of attorney, long-term care planning, asset-protection plans, and assistance with Medicaid or the VA.

If you have questions, we have answers. And we're just a phone call away.

Hospice Cares For The Person - Not Just The Patient

Whenever a client tells me that hospice is a place “where you go to die,” I respond like this: “Actually, it’s a place you go to live! To live out your end-days in comfort, in a warm, compassionate, atmosphere, without tubes sticking out of you. It’s a place where you go to live out the last days of your life with dignity.”

Yes, hospice focuses on palliative care – the relief of pain. But it also focuses on the whole person, and the whole family, to address spiritual, psychological, or financial pain.

We’re a complex species. And our pain, of course, can be emotional as well as physical. But hospice addresses both. Because it’s focused on treating pain, and not on keeping you “alive” as long as possible, hospice cares as much for the psyche as it does the physical.

I’ve mentioned this before in my writings…but it bears mentioning again. Numerous studies have shown that terminal patients in hospice live longer than those in hospitals – and that the quality of their remaining time is better.

Hospice is so concerned about servicing the whole person, in fact, that they’ll even do it in the patient’s home. And after the patient passes, hospice is there for the family, with a soft shoulder, spiritual guidance, counseling, bereavement groups, etc.

Now, I ask you – Does this sound like “a place you go to die?” Or a place you go to actually live the last days or weeks or months of your life – spiritually and emotionally as well as physically?

Many new clients come to me with misperceptions about hospice. And you may have some, too. No doubt you have questions. But we can help – because we have answers.

At The Law Offices of Alice Reiter Feld & Associates, we practice Elder Law – and only Elder Law. Over the past 34 years, we’ve answered questions for thousands of South Florida families. And we’ve helped them plan for the future, with comprehensive estate plans, wills, trusts, powers of attorney, long-term care plans, asset-protection plans, and assistance with Medicaid or the VA.

We can answer your questions. And we’re just a phone call away.

You Can't Cure Terminal Illness!

As an experienced Elder Law attorney, it still breaks my heart each time a client believes that chemotherapy can actually cure his/her terminal cancer. And, sadly, it’s not uncommon; many patients with Stage 4 cancer undergo chemotherapy because they believe it might cure them.

That, to me, is an incredible indictment of our medical system, in which too few doctors ever have end-of-life discussions with terminal patients. And in which too few terminal patients ever realize they have choices.

In a recent study published in the New England Journal of Medicine, about 75% of patients with terminal cancer actually believed that chemotherapy could cure them, rather than simply keep them alive a little longer. The study concluded that most terminal patients don’t understand that chemotherapy doesn’t buy a cure…it only buys a little more time.

When it can truly relive pain, chemotherapy is warranted. But if it’s merely to extend life, patients – and families - may be operating under an extreme misperception.

Aggressive chemotherapy merely to extend life can actually compromise the quality of remaining life. It may result in putting off discussions that should take place NOW. And it delays entrance to hospice, which offers patients the chance to die with dignity, without being hooked up to machines and without being in pain. (Several studies have shown that terminal patients actually live longer on hospice than in hospitals.)

Doctors should be asking patients how much they actually know about their cancer. How much they want to know. Who else they’d like included in the discussion. And what issues are really important to them.

In our society, doctors are trained to cure, not to question. But patients have a right to know. And to decide for themselves.

These are the hardest questions families will ever face. But we can help.

At The Law Offices of Alice Reiter Feld & Associates, we’ve been answering these questions for 34 years - and we’ve helped thousands of South Florida families. We’ve helped them prepare in advance, as well, with comprehensive estate planning, wills, trusts, powers of attorney, long-term care planning, asset-protection plans, and assistance with Medicaid and the VA.

We can help. And we’re just a phone call away.

Should End-of-Life-Care Be Provided to Every American?

If Dr. Ezekiel Emanuel’s last name sounds familiar, it should; he’s the brother of Rahm Emanuel, former White House Chief of Staff and now Mayor of Chicago. He’s also a well-known oncologist, and chair of the Department of Bioethics at the National Institutes of Health.

Dr. Emanuel is a longtime proponent of end-of-life care. And he’s a forceful spokesperson on the need to change the way we look at – and treat – the process.

My clients know me as a strong believer in the right of terminal patients to have a say in how they’re going to die…whether they want extraordinary measures to extend their lives a bit, or whether they’d like to die naturally, using only pain medication.

Dr. Emanuel believes that all doctors should be formally trained in end-of-life care and discussions. Walking into a room with a patient to discuss a terminal diagnosis or prognosis can be overwhelming – even for experienced doctors. For doctors, there’s never been formal training in how to discuss terminal illness with patients and families, or how to discuss palliative options.

In Dr. Emanuel’s opinion – and mine – our doctors should know how to tell us, and what types of options to offer.

Dr. Emanuel says that more than 40% of American hospitals don’t offer access to palliative (pain-control) care. And he believes this should be a requirement.

He also disagrees with the current standard that a patient must have a life-expectancy of less than six months to be admitted to hospice. But pain has no time-line…and admittance to hospice should be based on need, not projected life.

Emanuel’s quick to add that he’s not talking about "death panels"…but simply the right of people to make their own choices.

It’s an issue that invariably leads to other issues…and a lot of questions. But we can help.

At The Law Offices of Alice Reiter Feld & Associates, we’ve been answering tough questions like these for 34 years…for thousands of South Florida families. And we’ve answered their questions, as well, on comprehensive estate planning, wills, trusts, powers of Attorney, long-term care planning, asset-protection plans, and assistance with Medicaid or the VA.

We can answer your questions on the tough issues. And we’re just a phone call away.

If You Live In Florida, Choosing The Best Adult Day Care Facility Just Got Easier

If you’ve got a loved one with Alzheimer’s, you know that choosing the right day care facility can keep you up at night. But if you live in Florida, you may finally be able to sleep a little better.

On July 1, a new law went into effect, requiring stricter licensing regulations for day care centers claiming to specialize in Alzheimer’s. The new regulations will make it easier to distinguish between centers that claim to specialize in Alzheimer’s patients, and those that actually do.

Until now, any center could claim to specialize in these patients. Now, however, the licensing requirements for such centers will be stricter.

Among the new requirements:

• A registered or licensed practical nurse must be on-site at least 75% of the time.
• No less than one staffer for every five clients.
• Staffers must receive extra training in Alzheimer’s care.
• Alarms on every outside door, to prevent wandering.
• Staff will monitor all medications.
• Clients will not be allowed to drive themselves to or from the center.
• There will be more Alzheimer’s/dementia-appropriate activities.

Florida’s new law may actually be among the strictest in the country. And, if you’re an Alzheimer’s caregiver, that should certainly help you sleep better at night.

Caring for a loved one with Alzheimer’s may be the most difficult thing you’ve ever had to do. It’s a long and very-winding road…with a lot of detours, and a lot of potholes.

But you don’t have to navigate it alone. We can help.

At the Law Offices of Alice Reiter Feld & Associates, we practice Elder Law – and only Elder Law. And we have one of the largest Alzheimer’s/Dementia Resource Libraries in South Florida.

Over the past 33 years, we’ve walked thousands of South Florida families through the Alzheimer’s/Dementia Journey. And we’ve helped them prepare in advance for the possibility of it, as well, with comprehensive estate planning, wills, trusts, powers of attorney, long-term care planning, asset-protection plans, and assistance with Medicaid and the VA.

We know the way through the Alzheimer’s/Dementia Journey. And we’ll get you through it. We’ll be there for you every step of the way, with the experience of 33 years, and a soft shoulder when necessary.

And we’re just a phone call away.

The Fiscal Cliff May Be Just Starting For Some Of Us

If you thought the “Fiscal Cliff” drama ended on Jan. 1, you could be in for a rude awakening. In fact, you could be in for a “Perfect Storm” – a combination of the 2010 Affordable Care Act and new tax changes coming this year.

As part of the Affordable Care Act (ACA), several changes in the income-tax structure are now taking effect.

The new “fiscal cliff” tax structure extended the previous tax cuts to most married couples who bring in less than $450,000 taxable income. However, there’s a cloud to this particular silver lining - a new Medicare surtax that will affect couples making more than $250,000. This new tax is 3.8% on whichever is less…net investment income or adjusted gross income.

Net investment income generally means income-streams such as rent, dividends, interest and income from passive business activities (after expenses). If you’re a married couple and your earned income (salary or self-employment) is over $250,000, you’ll be hit by another tax - a new .9% Medicare tax. If you’re an employee, your company’s now required to withhold this .9% once you’ve passed the $200,000 mark.

Pretty much every American has questions about the new tax structure, and the Affordable Care Act. But if you’re a Boomer or senior, you probably have even more questions….because the ACA may come into play for you before it does for the rest of the population. I get phone calls – and visits – virtually every day from clients confused about the financial impact of the ACA and the new tax changes, as well as what the ACA provides and what it doesn’t.

You need an Elder Law attorney to sort things out. And that’s exactly who we are.

At The Law Offices of Alice Reiter Feld & Associates, we’ve been answering questions like these for the past 33 years. We’ve helped thousands of South Florida families find answers. And we’ve helped them prepare for these changes – and future ones, as well – with comprehensive estate planning, wills, trusts, powers of attorney, long-term care planning, asset-protection plans, and assistance with Medicaid and the VA.

If you’ve got questions, we’ve got answers. And we’re just a phone call away.

Medicare Claim Rejected? Fight Back!

Believe it or not, the odds are not stacked against you. Many families appeal – and win.

In my experience, I’ve seen far too many people taking a defeatist attitude when a claim is rejected…and paying thousands of dollars out of their own pockets. And my advice to my clients is always the same: You’re not licked yet!

You can appeal a rejection. And – quite often – you can win. In fact, in certain categories – such as rejections of payments for doctor visits and services covered under Part B – 53% of those who appeal actually won.

Knowing how to appeal, of course, is the key…because appeal procedures vary widely, among original fee-for-service Medicare, a Medicare Advantage plan from a private insurance company, and a Part D prescription-drug plan.

Federally-subsidized Advantage plans are similar to health-maintenance or preferred-provider organizations. If you’re planning to appeal a rejection by one of these, or by a Medicare Part D prescription drug plan, the Centers for Medicare & Medicaid Services has a helpful brochure called “Medicare Appeals.”

If you need help appealing a hospital discharge, or appealing claims under original Medicare, Medicare Advantage, a good resource is www.medicareinteractive.org.

If you have original Medicare, and you want to appeal an end-of-care decision by a home health agency, skilled-nursing facility, hospice agency, or outpatient rehabilitation facility, try the Center for Medicare Advocacy, which publishes booklets on the appeals process.

And if at first you don’t succeed…try, try again. In most cases, appeals can be heard up to five times!

You also may want to consider using an attorney or advocate, along with going to organizations like the Medicare Rights Center, the State Health Insurance Assistance Program, and the National Association of Healthcare Advocacy Consultants (nahac.com).

Let’s face it…trying to find answers to Medicare questions usually leads only to more questions. But we can help.

At The Law Offices of Alice Reiter Feld & Associates, we’ve been practicing Elder Law in South Florida for 33 years. We’ve answered Medicare questions for thousands of families. And we’ve helped them, as well, with comprehensive estate planning, wills, trusts, powers of attorney, long-term care planning, asset-protection plans, and assistance with Medicaid and the VA.

We can answer your Medicare questions. And we’re just a phone call away.