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Patricia Carrera

The Value of Long Term Care Coverage

If a picture is worth a thousand words, imagine what a concept video about Long Term Care Insurance is worth. This video demonstrates the value of LTC coverage and its ability to help protect people’s retirement.

For details or illustrations, please give me a call. We work with several carriers and will be able to provide different options.

At-Home Services that Can help Senior Veterans

Original Post By Home Advisor

As a senior veteran, you’ve served your country and your loved ones well. Once you enter your golden years, you’ve more than earned the right to enjoy your retirement, prioritizing time spent with your family and friends and on your favorite pursuits. For some senior vets, however, this is easier said than done. Physical disabilities, mental health disorders, and limited funds can make it difficult for these heroes to receive the healthcare, nutrition, and home maintenance services they need.

The good news is that there are services all over the nation that can help senior veterans thrive at home. Whether you need a physician to drop in to give you a physical, a PTSD counselor to help you work through an emotional crisis via video chat, or a contractor who can help create a peaceful home environment for veterans, our guide will help direct you to resources that can help.

Physical and Mental Health Services

Senior veterans with physical or mental health concerns can receive the care they need from the comfort of their own homes. If your primary care physician doesn’t make house calls, one or more of these agencies may be able to help.

American Red Cross – This trusted organization can confidentially connect you with free or low-cost resources in its network of trusted care providers.

Cohen Veterans Network – This program works with veterans and their families to treat mental health issues. Many of their clinicians and other staff are veterans.

Give an Hour – This group’s skilled volunteers provide free mental health services to active and retired military members. Their online search tool makes it easy to find a licensed provider in your area who specializes in treating your emotional health issue.

Military OneSource – This governmental organization helps veterans transition from military service to civilian life by offering a series of consultations that covers topics such as education, jobs, and service-related benefits. While it doesn’t directly provide physical and mental health services, the counselors here can refer you to specialists outside of the organization who can give you the care you need.

Veterans Administration (VA) – The VA has a wide array of services you can access from home, including telemental health programs, smartphone apps, and drop-in physical therapy visits. It also supplies take-home tools and other resources for those who need ongoing care. For example, those who need regular blood pressure checks can receive a digital blood pressure monitor that sends daily results to the patient’s VA-appointed doctor.

Veterans Crisis Line – If you’re having a crisis, you can call, text, or chat online with the Veterans Crisis Line. The specialist you reach will put you in touch with immediate help. Dial or text 1-800-273-8255 or visit their website if you need help.

Vets4Warriors – This nonprofit connects veterans in need of support with volunteers who are dedicated to helping you overcome whatever challenge you may be facing. You can reach out via phone call, email, text message, or online chat. It’s important to note this is not a crisis line.

Food Delivery Services

If putting food on the table is a difficult endeavor — whether due to finances or limited mobility — there are services that will bring you ready-cooked meals or the ingredients to prepare your own.

Feed Our Vets – Feed Our Vets provides food assistance at absolutely no cost to veterans and their family members. If you’re unable to visit one of its local food pantries, you can request help via food delivery or gift cards.

Meal delivery services

No matter your dietary needs or level of cooking expertise, there is a meal box kit service that’s right for you. These companies drop off pre-portioned ingredients and recipe cards for cooking your own fare. They’re a great choice for senior veterans who enjoy cooking but don’t have the time, energy, or ability to track down recipes and shop for ingredients on their own.

Meals on Wheels America – This beloved organization delivers more than 220 million ready-to-eat meals to 2.4 million senior citizens every year. Depending on your needs, a volunteer can come by as often as every day.

Personal assistants

Hiring someone to help with errand running and personal assistant services for seniors and elders is a great option for those who need regular grocery delivery and other day-to-day tasks taken care of. In addition to helping with meals, these specialists do everything from setting medical appointments to fetching prescriptions.

Housekeeping and Home Maintenance Services

No one wants to spend their golden years putting sweat equity into their home, and the older we get, the more dangerous it is to take on household tasks by ourselves. Fortunately, you can hire anyone from local cleaning pros to nearby handymen to take care of just about anything home related. In addition to household maintenance and upkeep, you should also consider bringing in specialists to make your home senior-friendly and design it to be safe for aging in place.

Some contractors offer senior discounts and/or veteran discounts, and some are even fellow retired service members. In addition to service professionals you can hire, there are many organizations that offer grants for home modification that can help with the cost of retrofitting your home for different mobilities, whether service-related or simply a natural part of aging.

Need a Pro For Your Home Project?

We can help you find a contractor to help you improve or maintain your home. You may not need to hire specialists, but be sure to take a look around your home so you can work with a pro to address any safety issues.

We owe so much to military members of every age. There are all kinds of professional and volunteer-based organizations that will visit senior veterans in their own homes to help them thrive in their physical health, emotional wellness, and home upkeep. You dedicated yourself to making the dreams of others possible for so much of your life, so take advantage of the services devoted to helping you in your golden years.

What is Medicare?

Medicare is a federal program that offers health insurance to American citizens and other eligible individuals. The program is often called Original Medicare. It has two parts — Part A and Part B.

What does original Medicare cover?

Part A – Part A covers in-patient hospital and skilled nursing care.

Part B – Part B covers doctor visits and outpatient care.

Choosing private plans may provide additional coverage.

Part C – Medicare Advantage plans (Part C) combine Part A and Part B coverage. They often include Part D coverage and other benefits you don’t get with Original Medicare, e.g. glasses, dental, meals, OTC items and so much more. Some plans cost as low as $0 for a monthly premium.

Part D – Medicare prescription drug plans (Part D) help pay for medications. You can get a standalone Part D plan or get a Medicare Advantage plan that includes drug coverage.

Medicare Supplement

Medicare supplement insurance (Medigap) helps pay some or all costs not paid by Original Medicare (deductibles, copays and coinsurance).

Many questions and things to consider. Your health, your budget, your preferences. Have more questions.

  1. When should I enroll for Medicare?
  2. What if I work past age 65?
  3. I have employer coverage, do I need to enroll with Medicare?

If you would like to speak with a licensed and certified professional and receive a FREE review Medicare Programs available do not hesitate to contact us.

Thinking of Opening?

Thinking of opening? See a few guidelines that may help.


How to stay safe and monitor employee health while also abiding by: EEOC/ADA regulations (equal employment opportunity/American with disability act)
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How to stay safe and monitor employee health while also abiding by: CDC* guidelines (*Center for Disease Control and Prevention)
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How to stay safe and monitor employee health while also abiding by: OSHA* regulations (*Occupational Health Act of 1970)
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How to stay safe and monitor employee health while also abiding by: HIPAA Privacy & Security
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For more information: Slides provided by:
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Protect Yourself From COVID-19 Scams

You may already be taking steps to protect your health during the COVID-19 emergency. Be sure to also protect your identity from scammers by guarding your Medicare Number.

It’s easy to get distracted and let your guard down during these uncertain times. Scammers may try to steal your Medicare Number. They might lie about sending you Coronavirus vaccines, tests, masks, or other items in exchange for your Medicare Number or personal information.

Protect yourself from scams:

  • Only share your Medicare Number with your primary and specialty care doctors, participating Medicare pharmacist, hospital, health insurer, or other trusted healthcare provider.
  • Check your Medicare claims summary forms for errors.

More Info

Visit for more information on protecting yourself from fraud and reporting suspected fraud.


The Medicare TeamNote: You can learn more about COVID-19 and your Medicare coverage on

COVID-19 Updates Regarding Insurance

If benefits are needed. See the reference below.

Under the guidance, federal law permits significant flexibility for states to amend their laws to provide unemployment insurance benefits in multiple scenarios related to COVID-19. For example, federal law allows states to pay benefits where:

  • An employer temporarily ceases operations due to COVID-19, preventing employees from coming to work;
  • An individual is quarantined with the expectation of returning to work after the quarantine is over; and
  • An individual leaves employment due to a risk of exposure or infection or to care for a family member.

In addition, federal law does not require an employee to quit in order to receive benefits due to the impact of COVID-19.

For more information, visit

Five Unexpected Ways Life Insurance Can Help Protect Your Family’s Future

A home is a pretty special place. Purchasing a house, is also likely to be one of your largest financial obligations. What would happen to your mortgage if you were not able to pay it? How can you protect your family from having to sell the house if you unexpectedly die? This can affect if your family can still stay in their current home, disruption with school, work & friends. 
We can design a solution that fits within your budget. For more information, contact us.