Welcome to AgingOptions

A holistic elder care company helping families plan for, pay for, and coordinate the long-term care of elderly loved ones.

Our services are geared towards retirees and those thinking about retirement and concerned about:

  • Losing independence & having to move to a nursing home.
  • Losing your assets to uncovered medical or long term care costs.
  • Becoming a burden on your loved ones.

AgingOptions Preferred Partners

Preferred Partner

The AgingOptions Preferred Partner Program is a localized network of professionals in the areas  of health, housing, finance and legal who are dedicated to the AgingOptions philosophy of providing an integrated approach to aging.

As a part of their training, our partners have made a commitment to providing services that recognizes the multi-disciplinary aspect of retirement planning.

What’s New

Feds refuse to stop Medicare’s persistent use of ‘improvement standard’ despite court settlement

Two years ago, a settlement agreement ended Medicare’s use of the “improvement standard.”  At least it was supposed to.  But, despite the agreement some beneficiaries continue to be denied coverage and federal officials are refusing to take any further action to ensure that providers are aware of the change. Under the long standing improvement standard,…

Planning decisions to make in retirement

If you’re in your 50s, retirement is on the horizon.  Here are some important financial planning decisions you need to keep an eye on. Don’t dip into retirement.  With the average employee having seven careers in a lifetime, there’s a possibility that you’ll experience seven or more temptations to cash out an IRA rather than…

Getting Social Security right when both of you want to retire

A lot of people make retirement plans based on the retirement age of the oldest spouse.  So for instance, a 65-year old man married to a 62-year old woman may decide to retire.  In lock step with his decision to retire, she does as well.  However, the end result may cost the couple more than…

Why that CCRC contract requires an expert opinion before you sign

At the end of December, a New York trial court ruled that residents of a continuing care retirement community (CCRC) breached their contract when they applied for Medicaid before spending down their assets.  Good Shepherd Village at Endwell v Yezzi (NY Slip Op 51900 – NY: Supreme Court, Broome 2014). In 2009, Peter and Hazel…

Why asking a professional might lead to a better answer than yes or no

Medicaid is a needs-based program.  That means that you have to qualify for Medicaid by proving that you have insufficient funds to pay for your own care.  Federal law determines what level your assets may be at in order to qualify for Medicaid.  Some assets don’t need to be counted such as personal effects or…

Health assessment tool lets patients with chronic conditions protect their health by being more proactive

About 80 percent of older Americans struggle with at least one chronic condition.  About 50 percent struggle with at least two chronic conditions.  But poor health doesn’t have to be a by-product of aging.  What’s more with the number of Americans 65 and older expected to double in the next 15 years, not only can…

Do unlicensed law practitioners create an unnecessary burden on family members?

Last week the Florida Supreme Court ruled that individuals engaging in some Medicaid planning activities were practicing unlicensed law.  The ruling supported an advisory opinion of the Florida Bar (No. SC14-211) that proposed that persons engaging in: drafting personal service contracts, preparing and executing qualified income trusts, or rendering legal advice as regards Florida state…

If you’re looking to avoid institutional care, should you own or rent in retirement?

Older Americans (81 percent of them anyway) have bought into the idea that owning your own home is the American dream but some retirement advisors are taking a new look at the assumption.  The answer so far is very much in the air.  Owning your own home confers wealth accumulation, better neighborhoods, better outcomes for children…

What women aged 50 should know about health, finances and life

Being 50 is a joy.  It’s not that I enjoy the extra weight or the added bags under eyes already carrying suitcases but what I do enjoy is that lack of self-consciousness.  I’m slower to anger now than ever before.  I have more patience.  I find the ridiculous in the things that used to irritate…

Do you have too many retirement accounts?

Successful savers might have a problem.  That’s because over the course of one life, job and life changes might leave them with many pots of money.  There’s the IRA rollover from the last job, the pension plan from the current job, a life insurance policy and some company stock.  The problem with all those pots…