Understanding the Federal Long Term Care Insurance Program (FLTCIP)

The Federal Long Term Care Insurance Program (FLTCIP) offers long-term care for federal or US postal employees or any active or retired Uniformed Services members. First, the basics of long-term care: it isn’t professional medical care, it isn’t seeking recovery or a cure. It includes home care, including by family members, assisted living facilities, nursing…

Understanding Alzheimer’s disease Medicare, Medicaid, and out of pocket costs

The Alzheimer’s Association has published its 2020 report entitled Alzheimer’s Disease Facts and Figures (alz.org). The findings give pause when contemplating the future of many Americans who will be living with crippling dementia. Health care and long-term care costs for individuals with Alzheimer’s Disease and Related Dementias (ADRD) are staggering as dementia is one of…