During the 1950’s and early 1960’s my parents had six children, each delivery paid for out of pocket. We were neither rich nor poor. Today, only the wealthiest families among us would be able to pay for the birth of a child without health insurance. So why was having a baby a half a century […]

There is an extended care wave coming. Legislators see the writing on the wall, hence all the talk about our aging population and how to pay for their long term care. The state of Washington recently passed a law mandating Long Term Care (LTC) insurance for all Washingtonians. Many other states are working on solutions […]

Let’s get the bad news out of the way. The numbers don’t lie. There is a huge difference between what people need for a financially secure retirement and what they are saving. Adding to the problem is the perception by many that long term care services likely won’t be needed in their particular case, when […]