Q: I have a long-term care policy that I purchased about 10 years ago and have just received a notice that my premium is going to increase by a substantial amount. I am provided with several options for reducing the premium amount but not sure what is best and how it will reduce the premium. [...]

Q: A family member has been diagnosed with a terminal illness and while not needed at this particular time I am beginning to think about hospice services. When looking into this type of care what should I consider when selecting a hospice provider? A: I commend you on preparing for future needs. It is something [...]