Posts Categorized: Blog

The 6 Things You Should Think About Before Retiring

October 18, 2019

Before you retire or leave full-time employment for other pursuits, consider the impacts of your decision on the financial well being of your future. The transition to your next phase of life, whether full or semi-retirement, adventure-seeking, or family-driven, requires thoughtful planning to avoid needless surprises that can mean the difference between financial success or …

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long term care insurance

What the Federal Long Term Care Insurance Program Means for You

October 11, 2019

If you or a loved one are a federal or US postal employee or an active or retired Uniformed Services member, it may be worth looking into the Federal Long Term Care Insurance Program (FLTCIP). First, the basics of long term care: it isn’t professional medical care, it isn’t seeking recovery or a cure. It …

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How to Plan for Short Term Disability

October 4, 2019

Sandy was a caregiver for her 85 yr-old mother. Sandy still worked full time and would help her mom in the evenings and weekends. Unfortunately, Sandy was in a serious car accident and would be out of work for at least 8 weeks. She now faced the challenge of paying her bills while out of …

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Buying Special Needs Housing? Use These Tips!

September 27, 2019

If you or a loved one is in the market for a home that will meet a physical or developmental need, there are some tips to consider before you begin the process. The US Department of Housing and Urban Development (HUD) website lists state, local government, and other organizations that can help you. At the …

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Why Wealthy Retirees Don’t Spend Their Money

September 19, 2019

While the US economy is in a cycle of more than ten years of economic growth, its citizens, even the “wealthy” ones, are worried about running out of cash and are scared to spend. is reporting many retirees, and near-retirees are sitting on their wealth in much the same way large corporations are hoarding …

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Meeting with Family About Elder Care

September 13, 2019

A family caregiving meeting is an essential tool when dealing with the care of an aging loved one. These meetings are beneficial for helping to keep all family members abreast of decisions that need to be made, changes in diagnosis or prognosis, and helps to ensure that all family members feel that they have a …

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The Latest News on Autism in America

September 6, 2019

The prevalence of autism is on the rise in the US. Because the condition first manifests itself before the age of 3, the majority of people receiving new diagnoses are under the age of 6. Autism spectrum disorder (ASD) refers to a broad range of behavioral conditions that include challenges with social skills, speech, and …

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Age Well While Saving Money

August 27, 2019

Your senior years should not be plagued with money woes. The stress that money problems bring not only ruins your aging experience but can also be disastrous to your health. Rising health care costs and your increased need for health care can add up to big bills that can further tax your health. To age …

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Social Security Benefit Regulations for a Retired Parent and His/Her Spouse of Children with Special Needs

August 22, 2019

Authored by:  Stephen R. Elville, Esq. – Elville and Associates, P.C. – 443-393-7696,, @elvilleassoc When a parent of a child with special needs retires and begins receiving Social Security retirement benefits, the child may qualify for Social Security Disability Insurance (SSDI) based on the parent’s work record if the child’s disability manifested itself before …

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Caregivers Using Technology to Better Serve Seniors

The Centers for Medicare and Medicaid Services are looking to the future of the US health care system, and it is projected to be overloaded with seniors needing medical care. In 2010 the US elderly population accounted for about 13 percent of the US population yet accounted for 34 percent of the total health care …

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