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Elder Law Answers


Can Over-the-Counter Hearing Aids Prevent Dementia?
According to the National Institutes of Health (NIH), hearing loss affects one-third of older adults. As difficulty hearing can lead to...

Salvatore Di Costanzo


Is an Independent Living Facility Right for Me?
Housing options and the associated costs are among the top priorities for many seniors. Today, the housing market is unpredictable, while...

Salvatore Di Costanzo


How Secure Is Social Security?
For years people have been worried about Social Security’s future, but what is the actual outlook? According to the federal government,...

Salvatore Di Costanzo


The Trump Administration Allows States to Choose Medicaid Block Grants
The Trump administration has unveiled a plan to allow states the option to cap Medicaid spending using block grants. While this change...

Salvatore Di Costanzo


Make Sure You Are Counted in the 2020 Census
The 2020 census is starting soon, and seniors need to be counted. This may be more of a challenge this year because for the first time,...

Salvatore Di Costanzo


Four Estate and Elder Law Planning Topics That You Should Not Neglect
We have all heard the saying “life is full of regrets”. I have compiled a list of the most common regrets that I often hear from...

Salvatore Di Costanzo


Movement Grows to Add Dental Coverage to Medicare
Medicare does not offer much in the way of dental benefits. To get dental coverage, you need to purchase separate and often costly dental...

Salvatore Di Costanzo


Will Restrictive Immigration Policies Cause a Shortage of Caregivers for the Elderly?
As the population ages, the need for caregivers is growing, but more restrictive immigration policities such as those being promoted by...

Salvatore Di Costanzo


Feds Release 2020 Guidelines Used to Protect the Spouses of Medicaid Applicants
The Centers for Medicare & Medicaid Services (CMS) has released the 2020 federal guidelines for how much money the spouses of...

Salvatore Di Costanzo


Medicaid's Treatment of the Home
Nursing home residents do not automatically have to sell their homes in order to qualify for Medicaid, but that doesn't mean the house is...

Salvatore Di Costanzo


Medicare Premiums to Increase By Almost $10 a Month in 2020
After small or no increases the past couple of years, Medicare’s Part B premium will rise sharply in 2020. The basic monthly premium will...

Salvatore Di Costanzo


Home Care Costs Rise Sharply in Annual Long-Term Care Cost Survey
When it comes to long-term care costs, the charges for home care are now rising faster than those for nursing home care, according to...

Salvatore Di Costanzo


IRS Issues Long-Term Care Premium Deductibility Limits for 2020
The Internal Revenue Service (IRS) has announced the amount taxpayers can deduct from their 2020 income as a result of buying long-term...

Salvatore Di Costanzo


The 2020 Social Security Increase Will Be Smaller than 2019's
The Social Security Administration has announced a 1.6 percent increase in benefits in 2020, nearly half of last year's change. The small...

Salvatore Di Costanzo


What to Do If You Are Appointed Guardian of an Older Adult
Being appointed guardian of a loved one is a serious responsibility. As guardian, you are in charge of your loved one's well-being and...

Salvatore Di Costanzo


Medicaid's Power to Recoup Benefits Paid: Estate Recovery and Liens
Federal law requires the state to attempt to recover the long-term care benefits from a Medicaid recipient's estate after the recipient's...

Salvatore Di Costanzo


Don't Let Medicare Open Enrollment Go By Without Reassessing Your Options
Medicare's Open Enrollment Period, during which you can freely enroll in or switch plans, runs from October 15 to December 7. Don't let...

Salvatore Di Costanzo


Most Are Taking Social Security at the Wrong Time
A new report finds that almost no retirees are making financially optimal decisions about when to take Social Security and are losing out...

Salvatore Di Costanzo


What to Look for When Buying an Annuity
An annuity can be a useful tool for long-term care planning, but annuities are also complex financial products that are hard to...

Salvatore Di Costanzo


Tips for Preventing, Detecting, and Reporting Financial Abuse of the Elderly
Reports of elder financial abuse continue to increase, and the elderly are particularly vulnerable to scams or to financial abuse by...

Salvatore Di Costanzo
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