Author Archives: Jay Butchko
The Difference Between Medicaid and Medicare Program Benefits
Paying for healthcare costs gets increasingly difficult as you get older, and can easily end up wiping out any assets you have accumulated. While you automatically get Medicare benefits once you reach a certain age, this program fails to provide many of the important benefits older Americans require. Medicaid provides more extensive benefits, but… Read More »
Tips On Saving Money For Retirement
It is never too early or too late to begin thinking about retirement. Whether you are just starting out and hoping to build a decent nest egg, or have gotten a late start and are trying to catch up, putting money into a savings plan regularly is a smart investment. As part of estate… Read More »
Getting The Benefits You Are Entitled To From Your Insurance Policies
Having the proper home and car insurance policies in place and in the right amounts can play a crucial role in estate planning and asset protection. It ensures you are covered in the event someone is hurt or injured, protecting you and your assets against potential lawsuits. It also protects you against losses you… Read More »
Using A Trust In Your Retirement Planning
During retirement, you want to make sure you have access to the funds you need, while also keeping an eye toward the future. Trusts allow you to remain in control or your property and assets while ensuring your heirs are provided for in the future, and are a valuable tool in estate planning and… Read More »
What Is The Difference Between A Guardianship and Power of Attorney?
If you become incapacitated due to an injury or illness, it is important to have someone who can handle your affairs on your behalf. As part of estate planning and asset protection, seeking a guardianship through the court or having a durable power of attorney in place are two options that grant authority to… Read More »
Protecting Yourself Against Tax Relief Scams
While tax season equates with big refunds for some Americans, others end up facing heavy tax debts. Unfortunately, failing to pay the total amount that you owe is likely to cost you significantly more money in terms of interest fees and penalties, while leaving you open to potential liens or even seizure of your… Read More »
Four Rules For Protecting Your Assets From Creditor Claims
While you may have a solid credit score and take pride in your ability to balance your budget, unexpected situations can easily arise which can put your financial security in jeopardy. Family emergencies, accidental injuries or illnesses, and job-related issues can all strain your income and zap your savings, causing you to fall behind… Read More »
NYC Medicaid and Community Care Services
Remaining at home for as long as possible is a priority for many older adults, but the challenges associated with providing for yourself can be overwhelming. From performing basic tasks such as cooking and cleaning to getting transportation to doctor appointments, there are a number of potential needs that must be addressed. Whether you… Read More »
What Happens If Your Will Is Contested?
Without a properly drafted and executed last will and testament in place, your property and assets are subject to the rules of intestate succession. This process goes up and down through your genealogy, distributing to your spouse first, then to children, then parents, then any siblings. While you may wish for some of these… Read More »
Early Warning Signs That Nursing Home Care Is Needed
Many of us can appreciate when an aging loved one is resistant to the idea of entering a nursing home or assisted care facility. We understand their desire to provide for themselves while remaining in familiar surroundings, but there does come a point that more comprehensive care is needed to ensure their health and… Read More »