When retirement approaches, youmay be thinking about the freedom you’ll enjoy after putting in your last nine-to-five. It’s a culmination of years of hard work and a cause for celebration! Before you get to celebrate, though, it’s important to consider what kind of support youmight need down the road. With our generation living longer than our parents, there’s a possibility that we may require additional support services. You and your spouse may not know if either of you will need in-home care, but considering this possibility and the financial factors that come with it can help you better enjoy this exciting phase of your life. Inmost cases, neither Medicare or Medicaid covers in-home care. There are some exceptions, like home- and community-based services that are state and locally funded and cover those who qualify through Medicaid. If you or your spouse are veterans andmeet the requirements, youmay be eligible for aid and attendance benefits. These benefits are paid for by the VA in addition to a veteran’s monthly pension. It may cover the costs of in-home care for veterans who require the aid of another person or are housebound. Visit Benefits.va.gov to learnmore. Still, youmay not want to rely on qualifying for one of these services. Consider adapting your estate plan to include designated in-home care. Meet with your attorney to review your living trust and see if it addresses a caregiver. To Live Your Best Retirement Creating a Home Care Plan
Talk to your family members and loved ones about the possibility that you or your spouse may need this service. While a family member may offer to step into that role, consider how easily they will be able to carry it out. Even a part-time caregiver could provide you with support andmake your family members feel like they are not doing it alone. Planning for the possibility that youmay need in-home care services can helpmake your retirement evenmore enjoyable. Knowing you’ll have a close helping hand can ease your family’s worries and even strengthen your bond.
Take a Break!
EVERYTHING POPCORN Recipe courtesy of Food & Wine magazine.
Everything is the best bagel flavor. This is not a matter of debate. Sprinkle the seasoning on popcorn for a delicious snack that will have people asking, “What does this remind me of?”
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2 teaspoons granulated onion
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3/4 cup popcorn kernels 2 tablespoons flaky sea salt 1 teaspoon black sesame seeds 2 teaspoons white sesame seeds 2 teaspoons granulated garlic
1/3 cup canola oil
4 tablespoons unsalted butter, melted
1. In a small skillet over medium heat, toast sesame seeds. Shake skillet often and cook until white seeds are golden and fragrant, about 2 minutes. Transfer to a small bowl and add garlic, onion, and salt. 2. In a large saucepan, combine popcorn kernels and oil. Cook over medium-high heat, covered, until popcorn kernels start to pop. Once popping, continue cooking and shaking the pan intermittently until popping ceases, about 3–5 minutes. 3. Transfer popcorn to a large mixing bowl. Pour in butter and toss to coat. Finally, add seasoning, toss again, and serve.
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