What You Need to Know About Special Needs Planning

A special needs trust is essential for protecting a loved ones quality of life and access to government benefits.

A special needs trust is essential for protecting a loved one’s quality of life and access to government benefits.

Estate planning is nothing new.  People know about the importance of having an up to date will, living will and power of attorney and most have these documents at the ready.  What if you have a child with a severe physical or mental disability and he or she will not be able to support him or herself?  How can you plan for your child’s care when you are no longer around?  That’s where special needs planning comes in.

Before consulting with an expert (this is not a do-it-yourself project) you need to organize your and your child’s financial and medical information.  Like many people, you probably have social security numbers, phone numbers, etc. in various places.  That is why it is important to have this information in an easy to access place.  Click here to see what information needs to be gathered and documented.

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Summer Safety Tips for Seniors

Senior couple on cycle rideSummertime, and the living is…well, maybe not that easy.

As we get older, summer’s heat and sun can make life difficult. While summer weather can pose health risks for everyone, senior citizens and their caregivers need to take extra precautions.

 

Here are a few summer safety tips for seniors to consider during the hot weather months:

Stay hydrated:

As we age, we lose our ability to conserve water. Be sure to drink at least eight 8-ounce classes of water and/or fruit juice each day. And avoid caffeine and alcohol. Coffee, tea, soda and alcoholic drinks can leave you dehydrated quickly.

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