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long term care

Do I Need Disability Insurance?

By Chelsie Smith / August 17, 2023 / Comments Off on Do I Need Disability Insurance?

In the US, there are 51 million working adults without disability insurance. Loss of income due to disability is a risk that should not be overlooked. If you lose your income suddenly, are you prepared? Perhaps you could live off your emergency fund for 3-6 months but what about after that? Losing your income with…

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UPDATE: Washington State Long Term Care Payroll Tax

By Chelsie Smith / June 14, 2023 / Comments Off on UPDATE: Washington State Long Term Care Payroll Tax

A new payroll tax set to begin in 2022 to help fund Long Term Care for Washington residents was delayed 18 months. The WA Cares Fund is intended to provide some Long-Term Care benefits to residents and is funded by a .58% payroll tax. It is now set to begin in July 2023. Exemptions Workers…

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Medicare Open Enrollment for 2023 Begins October 15th

By Chelsie Smith / October 14, 2022 / Comments Off on Medicare Open Enrollment for 2023 Begins October 15th

Medicare beneficiaries can make new choices and pick plans that work best for them during the annual Medicare Open Enrollment Period. Each year, Medicare plan costs and coverage typically change. In addition, your health-care needs may have changed over the past year. The Open Enrollment Period — which begins on October 15th and runs through…

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What is the SilverSneakers Program?

By Chelsie Smith / June 8, 2022 / Comments Off on What is the SilverSneakers Program?

Are you looking for a senior fitness program? If you have a Medicare Advantage or Medigap plan, your health insurance may include a free fitness membership for adults 65+ called SilverSneakers. A SilverSneakers membership includes access to roughly 15,000 recreation centers, churches, senior communities, and other neighborhood locations across the nation. You’ll get access to…

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Health Insurance Marketplace

By Susan Van Tress / November 11, 2020 / Comments Off on Health Insurance Marketplace

November 1 Begins Open Enrollment for Health Insurance Marketplaces Beginning on November 1, 2020, individuals (including families) may apply for new health insurance, switch to a different health-care plan, or re-enroll in their current plan through a Health Insurance Marketplace under the Affordable Care Act (ACA). The open enrollment period for 2021 health coverage ends…

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Dealing with Times of Transition

By Ben Rickey / August 21, 2014 /

I am putting together a series of blog posts on dealing with times of transition. These are not meant to “put a bow” on a complex situation, but to highlight a couple of items that are easy to miss when you are making complicated decisions that have long term consequences in a time when you…

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Avoid Life’s Rainstorms with an Umbrella Policy

By Dana / January 27, 2014 /

Being caught in the rain is never fun. I grew up in Aberdeen, Washington where it rains over 80 inches a year, and I spent the majority of my adolescents with the bottom of my jeans soaking wet. I never understood how Gene Kelly could be so happy singing and dancing in the rain. Nevertheless,…

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