How Much Sleep Do You Need? Adults of all ages need seven and a half to nine hours of sleep every night. Your sleep patterns will naturally change as you age. Since your body is producing lower levels of growth hormone, you will also produce less melatonin. You will...
Primary vs. Secondary Coverage Only one insurance plan will be the primary payer. The primary insurer will pay up to the limits of the coverage. The secondary insurer may also pay, but only if there are leftover costs that are covered under the secondary plan. Talk to...
Health Challenges Seniors May Face A range of reasons could affect your enjoyment of foods and your desire to eat. Age brings diminished taste. You may not be as physically active and your metabolic rate slows. You could have dentures that make it impossible for you...
Know When Your Enrollment Period Starts Don’t wait until the morning of your 65th to worry about Medicare enrollment. The initial enrollment period starts three months before you turn 65, so make sure you’re ready to sign up right when this first enrollment period...
It’s Easy to Forget About Healthcare Costs Susan was nearing her 65th birthday and excitedly calculating her retirement income, looking forward to scheduling trips to see her children and grandchildren in distant states. She figured she’d have just enough in her...
Have you ever considered a final expense insurance policy? Burial costs, medical expenses and the cost of living – they’re all rising year after year. If you exhaust your estate paying for care later in life, you may not have the cash reserves to cover your final...
