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Today's Seniors

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We also let you know about the nasty little surprises -- the Gotchas! -- that companies, Medicare and government agencies often "forget" to tell you about. Most of the time, we give you straight, unbiased facts -- we tell it like it is with no sugar coating. At other times, we offer our opinion. When we do, we tell you.

Throughout Today's Seniors, you will find practical tips, tools, news and advice. For example:

Money. We have included an eclectic collection of helpful articles and smart money tips such as: Where can you find a high rate certificate of deposit? How to keep from outliving your retirement income. A "to do" list for a smooth transition into retirement. What you need to know about working after retirement. What your trusted financial advisor won’t tell you about Medicaid "spend-downs." and more.

Social Security. You will find answers to questions such as: When should you retire? What are your options? How can you apply for Social Security benefits online? When can you receive full Social Security benefits? Are the age requirements different than Medicare? How will your benefits be affected if you retire early? Can you increase your benefits? Can you receive benefits if you continue to work? Will your benefits be reduced if you continue to work? Where can you get more information online?

Medicare. It often runs smoothly without a hitch. At other times, it can be very annoying -- even downright frustrating. For some people, it is full of potholes that cost them thousands of dollars out of their own pockets. Bottom line -- what you don't know can hurt you. This section of our Web site offers tips to help seniors avoid Medicare's "Gotchas!"

Personal and Financial Organizers. Are your personal and financial records in order? What documents do you need to keep? Where? How long? Are your records easy to find? What if you had a serious accident tomorrow? Could someone you trust step in and temporarily handle your financial affairs, even if it's just to pay your bills? What if you should die tomorrow? Could your spouse or heirs easily find the personal and financial records they'd need to settle your estate? Or, will they find a jumble of unorganized records scattered throughout your house? At your attorney's office? In your safe deposit box?

Recommended by the Wall Street Journal

Your Personal Document Organizer. Where is the best place to keep your insurance policies and other important records? Which ones should you keep? For how long? Your Personal Document Organizer answers those questions and provides space for you to write down where you keep yours.

Personal Financial Organizer. What if you had a serious accident tomorrow? Could someone step in and handle your financial affairs while you recovered? What if you should die tomorrow? Could your spouse or heirs easily settle your estate? This organizer will make the job easier. More importantly, it will help you manage your own affairs more easily, with greater peace-of-mind.

(Almost) Everything We Own. When things are lost or stolen, or homes damaged or destroyed, most people receive insurance payments for only 80% to 85% of their loss. Most people can't remember everything they own at the time of loss. It doesn't make any difference if you own your own home or just rent. Now, you can help avoid this problem with this free organizer with home inventory forms.

Our Family's Health History. Doctors frequently have difficulty treating an illness, or may even treat the wrong illness, because people don't know enough about their family health history. And, it's often too late to ask their parents, brothers and sisters, or aunts and uncles. This organizer can help you avoid the problem in case you come down with a serious illness.

The Insurance Organizer. Experts recommend that you keep information about your insurance policies in a safe deposit box, or somewhere else outside your home. Then, your policies are easy to replace if they are lost or destroyed. This comprehensive organizer keeps track of everything you need to know so your policies can be replaced quickly.

Our Final Wishes. Do your heirs know your final wishes? Do they know where you have purchased your cemetery plot? Or, what funeral home you prefer? Or, if you prefer to have money donated to charity instead of flowers? This booklet covers every aspect of your (and your spouse's) final wishes.

Recommended by The Wall Street Journal for two years in a row, these organizers are comprehensive, yet concise and easy-to-use. Whether you use just one or several, you will definitely make the job easier for someone to manage or settle your affairs. More importantly, they can help you by organizing your own affairs, giving you greater peace-of-mind.

How to ... Practical solutions to help eliminate life's hassles, such as: how to replace your Medicare or Social Security card, how to correct an error in your Social Security earnings record, how to replace a lost or stolen US Savings Bond, and more.

Health and Fitness. This section covers a wide range of health-related information for seniors and their loved ones. Topics include healthy living, a database of calories in food, information about prescription drug interactions, food serving sizes, assisted living (it is more affordable than it seems at first), elder care resources for caregivers, and more.

Humor. Sometimes, we just need to kick back, relax and have some fun! Here you will find a variety of clean humor jokes and stories, funny cartoons and pictures for your enjoyment.

About Us

Recently, he and an associate developed a substantially improved method for matching insurance benefits to the actual cost of elder care -- an accomplishment for which they were awarded the first two United States patents for long-term care insurance. As a result, he has become increasingly recognized for his expertise in elder care.

That expertise was first put to the test in September 2000 when his parents began to require the assistance of formal caregivers. Later, in February 2001, he became the primary care manager for his mother who lived 1,200 miles away. As he, his wife and sisters quickly learned, elder care can be very frustrating, especially if you are new at it. Most of us don't know where to go for answers, or even what questions to ask. Fortunately, his background helped guide him through the mountains of new and often unexpected challenges.

He created Aging Parents and Elder Care (also known as Aging Solutions) to share what he and his family learned both personally and professionally -- to make it easier for you to find the reliable information you need -- quickly.

At Senior Solutions, we research and develop innovative new products and services related to retirement. Our goal? To provide reliable information that is easy to understand, so that you can make informed decisions quickly and confidently.

During our research, we find a lot of information that is outside the scope of Aging Parents and Elder Care -- information that is of special interest to people who have already retired, are preparing for retirement, or just thinking about it.

As a result, we created a sister Web site, Today's Seniors. Designed especially for today's active seniors, it is filled with advice, tips, and articles about retirement, personal finances, Medicare benefits, and more -- with solutions to help seniors simplify their lives, eliminate the hassles, and get the most out of retirement.