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Skilled Nursing and the 3-Day Rule

A major health event is often an unfamiliar experience and navigating skilled nursing care can be one of the more challenging aspects. Skilled nursing care provides essential support for recovery before returning home, normally in the treatment of physical, speech,…

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Appealing Hospital Discharges

If you believe you’re being discharged too soon, you have the right to file an appeal. Upon admission, you should have received an “Important Message from Medicare” explaining this right. If your stay exceeds three days, you’ll receive another copy…

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What is Medicare

Medicare is a federal health insurance program in the United States that primarily covers individuals aged 65 and older, as well as certain younger individuals with disabilities or specific medical conditions. Medicare is divided into different parts, and each part…

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Annuities With Long-Term-Care

When selecting annuities that offer long-term care options, there are several key factors to consider. Annuities with long-term care provisions are designed to provide additional coverage or benefits to help cover the costs associated with long-term care services. Here's a…

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What is a 1035 Exchange

A 1035 exchange refers to a tax-free transfer of funds from one insurance or annuity contract to another under Section 1035 of the U.S. Internal Revenue Code. This provision allows you to replace an existing life insurance policy, annuity, or…

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