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Supporting Seniors with Heart and Skill

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  • Trusts and In-Home Care

    A trust is a legal arrangement that helps facilitate the transfer of money from one party to another. The plus side of these is that it gives people more flexible control of their assets since there are legal guidelines that can be arranged to ensure this. Trusts can be especially useful to an older adult since they can set aside money in the event that they need help funding their In-Home Care. The money does not necessarily need to be used for this if it is not needed, but legal documents can be drawn to stipulate exactly where the money will go in the event that it does become needed. There are a couple different types of trusts that you can use, and each has different implications when it comes to Medicaid in the event that you need to use this insurance. In order to decide which is right for your situation, consulting with an attorney that specializes in trusts and In-Home Care decisions will be most helpful.

    Paradise In-Home Care offers quality Alzheimer’s In-Home Care to the greater San Francisco Bay Area.

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  • Annuities and In-Home Care

    An annuity is technically a type of life insurance, but it acts more like a long term investment. With an annuity, you set aside money, and it begins to earn interest, either at a fixed rate or a variable rate. Once you reach the age of 59 ½, you can begin taking withdrawals from your investment. There are some obvious benefits to having an annuity, the biggest being that it is a type of forced savings. If you try to take your money out too early, you will receive a 10 percent tax penalty from the IRS. There are ways around this if you need the money sooner, your insurance company may or may not charge you a fee. Additionally, you do not need to use your annuity money for senior care if you do not need it. If you have questions, consult an attorney specializing in annuities, There are many different types and subtypes of annuities, so some research will be necessary to find the one that best suits your needs.

Reverse Mortgages and In-Home Care

A reverse mortgage is a type of home equity loan that allows you to borrow money against what percentage of your home you already own. This is an easy way to get cash without having to sell your property, and it provides you with some big advantages if you have something major that you need to pay for–such as senior care. It’s especially helpful if you plan on continuing to live in your home, as you would if you were receiving in-home care. The big advantage is that you can use the money you borrow for other things besides paying for care. There are a few things to consider before you take this step, so make sure you speak with a bank representative specializing in reverse mortgages, an attorney or a financial advisor before committing to a reverse mortgage.

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