{"id":82,"date":"2021-09-28T22:58:08","date_gmt":"2021-09-28T22:58:08","guid":{"rendered":"https:\/\/ad764cd6-4a98-4b83-8205-bba040594bba.h6.conves.io\/?page_id=82"},"modified":"2021-12-21T17:16:52","modified_gmt":"2021-12-21T17:16:52","slug":"we-have-answers","status":"publish","type":"page","link":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/we-have-answers\/","title":{"rendered":"You Have Questions, We Have Answers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"82\" class=\"elementor elementor-82\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f7053c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f7053c\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;fdf313e&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1fee60\" data-id=\"a1fee60\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e7347f7 elementor-widget elementor-widget-heading\" data-id=\"e7347f7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Click Below<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c662b75 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c662b75\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;7c91e55&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-65cea79\" data-id=\"65cea79\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8d21d8 elementor-widget elementor-widget-toggle\" data-id=\"f8d21d8\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2601\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2601\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Recently I started looking for a place for my mom to live. I found this process confusing. So, what should I look for when looking at senior living communities? John H., Dunlap, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2601\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2601\"><p style=\"text-align: left;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/><font size=\"2\">When looking for a senior living community one cannot afford to make a poor decision. This can become a very stressful time for all family members. But where to start? Sometimes it is good to know what mistakes people make while doing this search. Selecting a senior living community can be made easier if you plan ahead as opposed to waiting until change in health or a chronic condition worsens. Assuming one is planning; the first mistake is: 1. Not researching what types of senior communities are available. In Central Illinois, there are clearly about four types of senior living communities: Endowment Homes, CCRCs, Assisted Living, Supportive Living and Independent Living. Basic differences in homes include. Endowment home- will care for individual once a resident for the rest of their journey. CCRCs- continuing care retirement community- tiered approach to the aging process and has all services necessary for future living including a skilled nursing unit. Assisted living- provides some nursing care, housekeeping, and prepared meals as needed. Supportive living- Care much like assisted living, but may be more appropriate for lower-income older persons. A person may spend all of their assets and stay here while going onto Medicaid. Independent living- facilities for the elderly that are less restrictive. There may be an arrangement with a home care company that can be hired on an individual basis on site. Residents in independent living are considered to be living in their own independent apartment.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2602\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2602\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">My Medicare Annual Enrollment Period packet has arrived, it seems like a lot of information, what should I watch for? Kathleen W., Morton, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2602\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2602\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>These plans can change yearly, so review your plan\u2019s annual renewal information carefully. Some people may receive a letter from their MA (Medicare Advantage) or Part D (Medicare Drug Plans) company discontinuing their plan for 2016. If this happens to you, you will need to take some action or you will be put back into original Medicare by default. On the other hand, this letter will guarantee that you can move to any plan in the state, so do not throw it away.<\/p><ul><li>Review your benefits, they may have changed<\/li><li>Check to make sure that your providers are still listed as in network<\/li><li>Make sure your drugs are covered, watch for any new restrictions<\/li><li>Look at your copays for the new year<\/li><li>Contact your insurance company with any questions<\/li><li>Consider consulting a local insurance agent, they know the environment for the new year as it applies locally, typically better than someone from a national<\/li><li>organization<\/li><li>Be an advocate for yourself, ask questions about what matters to you and take the time to get answers<\/li><li>Remember that nothing comes \u2018free,\u2019 a low-cost plan is likely that way for a reason<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2603\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2603\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">I will soon take start my Social Security collection, what are some tips to help offset some costs post-retirement? -Deborah G, Peoria IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2603\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2603\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>On top of your regular finances in the later years (pension, 401k, social security, etc.), it is wise of you to consider other ways to help mitigate costs in retirement. Here are some things we recommend frequently to help with just this:<\/p><ul><li>Schedule an appointment with your insurance agent to update policies every year. At this point in life the needs of your care will change over time, and your insurance coverage will likely need amending to accommodate that. Always make sure you have the best coverage for your needs and medication, your plan should feel yours.<\/li><li>If you or your spouse is a United States Veteran and either of you require daily assistance with medications or self-care, you may be eligible for a monthly Veteran\u2019s pension to augment your Social Security or other pension income.<br \/>Consider long-term care policies. If you already have it, read the fine print. These products have changed over the years so review your coverage to make sure you understand what it does and does not cover.<\/li><li>Seek out a trusted third-party specialist to help navigate these things. There is a community of professionals that want to help you.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2604\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2604\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">My parents are aging and still live in my childhood home. I feel that they should not stay there much longer, but am unsure when the right point to have that conversation is. What should I look for? Bridgette R, Bloomington IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2604\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2604\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>Often times this does become a tough issue for both parties. They may feel the same way you do, but be unsure of what that could mean to the children and grandchildren. Things like \u2018but where will we celebrate the Holidays?\u2019 often prevent grandparents from downsizing their homes, shift to living with family, assisted living or other options.<\/p><ul><li>Are they using the rooms upstairs or having difficulty doing so?<\/li><li>Is the yard as maintained as it used to be?<\/li><li>Is there a risk of falling in the home?<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2605\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2605\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">My son is turning 26, and this year will become ineligible to remain on my employer-provided health insurance. He has a low\/moderate wage job (makes about $30,000 a year) that does not offer health insurance as an option, and is considering using Healthcare.gov to get insured. Are there any pros or cons we should be aware of? -Lynn G., Peoria, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2605\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2605\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>First off, Healthcare.gov is an extension of the Affordable Care Act (ACA), also known as Obamacare. ACA was made to be an option for those, especially in an income range up to 138% of federal poverty level (a range up to about $47,000 for a single person), to receive coverage with reduced cost. This cost comes in the form of a tax-break or subsidy to be applied directly to premiums or when filing taxes at the end of the year.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2606\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2606\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Should I opt out of my Medicare Advantage Plan if I am expecting a major procedure in 2016? -Timothy J., Peoria, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2606\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2606\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>This is a great question, and involves a bit of number crunching on your end. The first thing to note is that this will vary on a case-by-case basis, but looking at potential costs, especially between Medicare Advantage Plans (MAP, or MAPD with prescriptions) and Original Medicare with Supplemental Plans and Part-D for drugs, is something I get asked about quite a lot. Here is how to think about this to find the best solution:<\/p><ul><li><strong>If you have a MAPD plan,<\/strong>\u00a0you can either 1) submit a disenrollment request to your MAPD plan and then enroll in a Part D plan, or 2) the easiest way is to properly enroll in a Part D plan first, which then automatically disenrolls you from your MAPD.<\/li><li><strong>If you have an MA only plan,<\/strong>\u00a0if just going back to Original Medicare &#8211; you must request disenrollment from your MA plan. If also enrolling in a Part D (RX plan), you may properly enroll in a Part D plan and that will cause your dis-enrollment in the MA plan.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2607\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2607\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">My friends talk about a Prescription Drug \u201cDonut Hole\u201d. Can you explain what that means?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2607\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2607\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>Medicare Prescription Drug, Part D covers prescription medications. Part D plans have an initial coverage period (in 20016 up to $3,310 in medication costs), which may include a deductible. Then the person would most commonly have a coverage gap or donut hole. Drug manufacturers write off a portion of the drug costs during this period so that the insured pays 45% of brand RX costs and 57% of generic costs. After the insured has paid $4,850 out of pocket, the Part D plan pays all but 5% of drug costs or a small co-pay.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2608\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2608\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is patient advocacy, really? Is this service for me? Melanie J., Bloomington, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2608\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2608\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>A patient advocate is a consultant who supports a client with a variety of needs, both in a medical setting and at home. They may be a medical professional, a social worker, or a lay person with experience with chronic disease or with helping a loved one navigate their own health journey.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2609\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2609\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Is it in my best interest to utilize a private patient advocate, even when advocacy has been assigned through my insurance already? Carlene G., Peoria, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2609\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2609\"><div class=\"hrf-faq-list\"><article id=\"hrf-entry-2207\" class=\"hrf-entry\"><div id=\"hrf-content-2207\" class=\"hrf-content\"><div class=\"row \"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>While any patient advocate will help in navigating through tough medical struggles, both at home and in the hospital, it is important to note that there is often times a level of loyalty toward the wishes of whoever is \u2018footing the bill,\u2019 so to speak.<\/div><\/div><\/article><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26010\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-26010\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are triggers, and are they truly necessary for payable claims in Long-Term Coverage Insurance, and how do I watch for them? Jen A., Peoria Heights, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26010\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-26010\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>&#8220;Triggers&#8221; are essentially the conditions necessary for benefits to be payable. To make LTC claims for specific diseases or disorders there are often a list of many possible triggers, with a set number necessary to make a claim based upon that condition.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26011\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-26011\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">When preparing care for an adult with Alzheimers (still in early stages), what changes can I make now to prepare for the future challenges? Lisa F., Morton, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26011\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-26011\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>Think of what you can afford to commit later on down the road. The average caregiver can easily spend up to 20 hours (or more) a week caring for someone with this disease. This can obviously cause one to have to quit or cut back on work.\u00c2\u00a0 Some basic things you can do now to prepare are:<\/p><ul><li>Prepare legal documents in advance (any possible future inheritance to be changed<\/li><li>Align insurance with future needs (review beneficiary arrangements)<\/li><li>Get in touch with the whole family, get them on board with any plans now if possible<\/li><li>Investigate, and potentially contact, home health and facility options<\/li><li>Monitor the disease, be prepared for changes before they are necessary<\/li><li>Stay informed! Be realistic.\u00c2\u00a0 Ask questions and seek out professional guidance<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26012\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-26012\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How should I determine which assisted living options might be best to consider for my parents? -Anonymous, Peoria, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26012\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-26012\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>The better question in this regard is \u201cwhat do I need to ask?\u201d The idea here is that you need to ask yourself, your parents, and anyone else involved what needs have arisen already, and where the future will take you. For instance, depending on a diagnosis the answers here could change greatly.<\/p><ul><li>A tough question &#8211; When should my parents stop driving<\/li><li>Who will take care of them<\/li><li>Who will pay for it<\/li><li>Is home health a long-term or short-term solution<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26013\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-26013\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">In recent posts and articles you have mentioned preparing legal documents, what exactly does this mean beyond just assembling a will, and what should I watch out for? -Suzanne K, Peoria, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26013\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-26013\"><p style=\"text-align: left;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>Suzanne,<\/p><ul><li>Getting a will written that includes advance directives and wishes.<\/li><li>Include POA (powers of attorney) for healthcare and finances.<\/li><li>In some cases a trust may be in order.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26014\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-26014\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">I have a parent with early to mid-stage Alzheimers and am concerned about potential future needs. I have some ideas for how I would like this process to go for my family, but am not sure how or when it is appropriate to bring this up. When is the right time to start talks with my other parent and siblings? -Zachary S. Princeton, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26014\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-26014\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>This can be a difficult question to pose for families dealing with any chronic illness. Due to Alzheimer\u2019s trademark neuro-degenerative properties it can be especially difficult. Although it may be difficult to speak of at this time, the pros to planning for this kind of thing typically outweigh the cons. The outcomes of any crises that arise later are likely to be far worse without a plan in place. If a facility is needed on short notice the family may have little choice where to send their loved one, and will instead have to settle for wherever openings are present. These types of scrambles could lead to you, or your siblings, missing work and dealing with a good deal of unnecessary stress. My advice is to consider what will motivate your other parent or siblings in to action to plan for the what-if situations. These could include the family home, residential accommodations, power of attorney, etc.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26015\" class=\"elementor-tab-title\" data-tab=\"15\" role=\"button\" aria-controls=\"elementor-tab-content-26015\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What advice do you have for an adult with children looking to plan for their parents final years? -Susan N. Morton, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26015\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"region\" aria-labelledby=\"elementor-tab-title-26015\"><div class=\"hrf-faq-list\"><article id=\"hrf-entry-2213\" class=\"hrf-entry\"><div id=\"hrf-content-2213\" class=\"hrf-content\"><div class=\"row \"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>If you are in this sandwich generation (age 45 -55 helping parents and with children at home), then planning now is the best advice to give. Some action steps to take at this time will be sorting out legal, financial, residential, mental and physical healthcare elements prior to a crisis. Engage any siblings you may have in the planning and figure out how to begin involving them now so that one of you is not bearing all future legal and, potentially, financial burdens alone.<\/div><\/div><\/article><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26016\" class=\"elementor-tab-title\" data-tab=\"16\" role=\"button\" aria-controls=\"elementor-tab-content-26016\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How do I get my parents to listen and act on my suggestions?  They need help and I have been fairly distant and they just won\u2019t listen to me.  Deb \u2013 East Peoria, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26016\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"region\" aria-labelledby=\"elementor-tab-title-26016\"><p style=\"font-size: 16px; font-style: normal; font-weight: 400;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/><\/p><p>This is a great question. Many times if an adult child and family are actively involved in getting together and helping their parents starting around age 60 or so, parents tend to listen and follow the advise of their adult children more so.\u00a0This question is very good and look to my May Column in Healthy Cells to read more.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26017\" class=\"elementor-tab-title\" data-tab=\"17\" role=\"button\" aria-controls=\"elementor-tab-content-26017\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">If dad has good health and mom is having memory problems, how can we best arrange the sale of their home? George \u2013 Pekin, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26017\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"17\" role=\"region\" aria-labelledby=\"elementor-tab-title-26017\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>The best way to prepare for a future financial event is to have a financial power of attorney in place. Secure legal advice to obtain this document.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26018\" class=\"elementor-tab-title\" data-tab=\"18\" role=\"button\" aria-controls=\"elementor-tab-content-26018\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">My father is on Medicare.  Will Medicare pay for all nursing home services if our family is not able to do so?  Marilyn \u2013 Peoria, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26018\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"18\" role=\"region\" aria-labelledby=\"elementor-tab-title-26018\"><p><img decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" style=\"font-weight: inherit;\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>For (Original) Medicare to pay for skilled nursing home (SNF) services, a your father would need to have been hospitalized as an inpatient for 3 days and then confined in the SNF within 30 days. Medicare would pay the first 20 days if be receiving a high level of skilled care. Medicare would continue paying for skilled care with a co-pay as long as 100 days in a benefit period.\u00a0Ability to pay is not a factor.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26019\" class=\"elementor-tab-title\" data-tab=\"19\" role=\"button\" aria-controls=\"elementor-tab-content-26019\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Mom lives with us and has dementia. We would like to attend our daughter\u2019s wedding Denver, how and where can we secure care and make sure mom is safe? Ellen \u2013 Chillicothe, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26019\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"19\" role=\"region\" aria-labelledby=\"elementor-tab-title-26019\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>You have several options, but perhaps the best is to look to an assisted living facility where mom can stay for several weeks while you are gone. You will need to privately pay, but I believe you will find the price fair and about the same as a hotel room.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26020\" class=\"elementor-tab-title\" data-tab=\"20\" role=\"button\" aria-controls=\"elementor-tab-content-26020\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">My brother is in an assisted living and has a long term care policy.  Can i get help to make a claim to help pay for these expenses? Gene \u2013 Peoria, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26020\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"20\" role=\"region\" aria-labelledby=\"elementor-tab-title-26020\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>The way the LTC claim is presented may be critical in getting a claim which meets criteria paid quickly and correctly. We can help you examine his situation and help him make claim.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26021\" class=\"elementor-tab-title\" data-tab=\"21\" role=\"button\" aria-controls=\"elementor-tab-content-26021\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">My mother has a small dog that is like family.  Would she be able to keep her dog if she moved to a retirement community? Mary \u2013 Canton, IL<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-26021\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"21\" role=\"region\" aria-labelledby=\"elementor-tab-title-26021\"><p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-16551 alignleft\" src=\"https:\/\/www.livingbyyourdesigninc.com\/wp-content\/uploads\/2021\/10\/steve-250x300-1.jpg\" alt=\"\" width=\"250\" height=\"300\" \/>Some, but not all, retirement communities allow residents to keep their small pets. Usually, a dog would need to be 30 lbs or less.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Click Below Recently I started looking for a place for my mom to live. I found this process confusing. So, what should I look for when looking at senior living communities? John H., Dunlap, IL When looking for a senior living community one cannot afford to make a poor decision. This can become a very [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-82","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>You Have Questions, We Have Answers - Living By Your Design, Inc<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.livingbyyourdesigninc.com\/index.php\/we-have-answers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"You Have Questions, We Have Answers - Living By Your Design, Inc\" \/>\n<meta property=\"og:description\" content=\"Click Below Recently I started looking for a place for my mom to live. 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