• Marilee Driscoll

    Long-term care insurance determines how well you'll be taken care of when you can't take care of yourself.

    Long-term care insurance is potentially one of the most important purchases you'll ever make. It likely determines how well you'll be taken care of when you can no longer care for yourself.

    There are lots of decisions to make -- and they need to be informed decisions. Tempting as it is to think you'll never be in the position to need long-term care, you risk literally everything if you hide from this issue.

    Read complete article
  • ADVISOR ANSWERS

    Q: My mom is insured through a Medicare HMO; however, the hospital closest to her home is not in her HMO's network. What do we do if there's an emergency? I don't know if we would instruct the ambulance to go to a different hospital -- is that even possible or advisable? She doesn't want to get hit with a big hospital bill because she isn't covered.
    -- Willa M., Rainbow, California

    Read complete article
  • People covered by Medicare have different options each year.

    Choices range from Original Medicare to a variety of Medicare supplemental plans. The right choice next time might not be the same as last time. It's an important decision about a complex matter, so make sure you know how it works.

    NOTE: This article was written before Affordable Care Act (ACA) took effect in 2014. ACA does not focus on Medicare, but it may affect some of the information in this article. As always, you should consult insurance experts to determine what is right for you.

    Read complete article
  • Dealing with disasters

    Tips for dealing with the immediate shock and facing the challenges.

    Disasters affect us for months, and live in our memories for years. For those who lost homes due to fires, floods, tornadoes, landslides, hurricanes or other so-called natural disasters, life will never be the same.

    Read complete article