Financial Choices/Challenges

Resources for seniors' financial concerns and the strategies they can use.

The Money and Work section of AARP's website contains information on financial planning, low income help, reverse mortgages and Social Security.

American Association for Long-Term Care Insurance
The American Association for Long-Term Care Insurance is the national professional organization exclusively dedicated to promoting the importance of planning for long-term care needs.

American Health Care Association (AHCA) – Information for Residents & Families
As the nation’s largest association of long term and post-acute care providers, AHCA advocates for quality care and services for frail, elderly, and disabled Americans.

Area Agencies on Aging
National Association of Area Agencies on Aging's primary mission is to build the capacity of its members to help older persons and persons with disabilities live with dignity and choices in their homes and communities for as long as possible.  These agencies are available in essentially every community to provide low-income seniors with a variety of services.  Find an Area Agency Here.

Area Agency on Aging – about long-term care
The Eldercare Locator, a public service of the Administration on Aging, U.S. Department of Health and Human Services, is a nationwide service that connects older Americans and their caregivers with information on senior services. They link the National Clearinghouse for Long-Term Care Information as a resource. was launched in an effort to provide citizens with easy, online access to government benefit and assistance programs.

Benefits Calculator
This benefits calculator is provided from the Social Security Administration.

Benefits Checkup
Get all the benefits you deserve. Find and enroll in federal, state, local and private programs that help pay for prescription drugs, utility bills, meals, health care and other needs.

Centers for Medicare & Medicaid Services (CMS)
An agency of the U.S. Department of Health & Human Services, the CMS provides information and services relavant to people on Medicare & Medicaid.

Certified Financial Planner
Choosing a financial planner may be one of the most important decisions you make for yourself and your loved ones. A planner can play a central role in helping you meet your life goals and achieve financial well-being.

Consumer Financial Protection Bureau – Financial Protection for Older Americans
An official website of the United States Government, this site provides the information consumers need to make the financial decisions they believe are best for themselves and their families.

Federal Long Term Care Insurance Program
Provides long term care insurance for its enrollees, who are Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and their qualified relatives.

Financial Industry Regulatory Authority on Reverse Mortgages

Financial Planning Association (FPA) – Life Event Resources
FPA offers resources designed to help individuals understand the importance of financial planning and the value of objective advice from a financial planner. 

Internal Revenue Service
This government site contains information about taxation and froms that can be downloaded. Also available are various publications regarding tax issues and topics. Publication 17 provides instructions for completing Form 1040; Publication 554 offers a detailed discussion of taxation issues of special assistance to seniors; Publication 915 offers a comprehensive discussion of the taxation of Social Security and railroad retirement benefits; Publication 590-A provides guidance for contributions to Individual Retirement Arrangements (IRAs) while Publication 590-B provides guidance for distributions received from Individual Retirement Arrangements (IRAs). Instructions for Form 1099-LTC.

Your one-stop-shop for Federal policy and program information about Medicaid, the Children's Health Insurance Program and the Basic Health Program.

The official U.S. Government site for people with Medicare.

National Association of Insurance Commissioners (NAIC)
Offers consumers a variety of free downloadable buyers’ guides, including “A Shopper’s Guide to Long-Term Insurance” and “Buyer’s Guide for Deferred Annuities.”

NAIC’s Insure U  
Seniors who are about to retire can learn about their insurance needs at Insure U.

National Council on Aging on Economic Security
The NCOA is a national leader helping people age 60+ meet the challenges of aging, including maintaining independence through financial resources.

Office of Personnel Management (OPM) – Federal Long-Term Care Insurance Program (FLTCIP)
“OPM provides human resources, leadership, and support to Federal agencies and helps the Federal workforce achieve their aspirations as they serve the American people.”  Most Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and their qualified relatives are eligible to apply for insurance coverage under the FLTCIP.

Pension Rights Center
Founded in 1976, the Pension Rights Center is the nation's only consumer organization dedicated solely to protecting and promoting the retirement security of American workers, retirees and their families.

Social Security Online
The official site of the U.S. Social Security Administration.

Social Security’s Supplemental Security Income

Today’s Seniors
Today's Seniors offers retirement planning tools, tips, news and advice about a wide range of topics written especially for seniors.

US Department of Health and Human Services on Long-Term Care

US Department of Labor’s “What You Should Know about Your Retirement Plan”

US Department of Veterans Affairs - Guide to Long Term Services and Supports
The Guide is a complete resource for Veterans and their caregivers.

United States Department of Veteran Affairs
The VA provide veterans information about the benefits and services they have earned.

Society of Certified Senior Advisors®. Working with Older Adults - A Professional's Guide to Contemporary Issues of Aging

Facts on Aging

Per A Place for Mom and the Alzheimer’s Association, in 1997 just 19% of family caregivers were men while in 2012 that number was 40%. 
A Place for Mom & Alzheimer's Association

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