I often encounter caregivers who have questions on their loved one’s insurance policy. Many times individuals over the age of 65 have not only primary policies, but often times have secondary or supplemental policies as well. Knowing what these policies are and how they work together is key in making sure your loved one is […]

This article is about Long Term Care insurance (LTC). That’s the type of insurance that pays for someone to come into your home and provide assistance with day-to-day activities or that pays part of the cost of a facility that is providing assistance with day-to-day activities. Let’s be honest: No one relishes the idea of […]

What is a will? A will is a legal document by which a person expresses his or her wishes upon death. Creating a will is a subject not many people want to discuss or even think about, but it is essential. A will is one of the most important documents you will ever write. It […]

If your loved one were to suddenly have an accident, slip into a coma or be diagnosed with a terminal illness, would you know what their wishes are? Would your loved one want all aggressive measures to be taken to try and save his or her life? Would he or she want to be kept […]

Here at Cariloop we talk a lot about planning. One of the most important aspects of planning for caregivers is making sure you have the legal right to do everything you may need to do for your loved one. Whether you are facing a medical or a financial situation, certain documents must be filled out […]

A Medical Power of Attorney is one of the most common documents discussed when planning for future health care needs. But how do you know if you actually need one?  Does everyone need one?  The answer lies in considering how strongly you feel about certain healthcare decisions. A Medical Power of Attorney allows you to identify […]

So what is a living will, and why have one? The concept is fairly simple: A living will documents your medical wishes so that your doctor knows what to do should you become unable to communicate your desires for treatment. Having your medical wishes documented spares your loved ones from being forced to make difficult […]

Anyone who has taken on the care of an aging family member knows how time-consuming, complex and expensive it can be. Here are a few basic suggestions to ease the legal and financial struggles of caregiving.   Have the difficult conversations in advance Healthcare and finance are topics that most families do not like to talk […]