Many Americans like to imagine they’ll age comfortably in their own home, surrounded by their favorite possessions and loved ones. Unfortunately, life is rarely so predictable. Things can happen that completely upend our plans. We may have to consider going into a nursing home or a long-term care facility, but without the proper planning, this could be an unrealistic solution for many. Since October is Long-Term Care Planning Month, you have a perfect opportunity to explore your options and create a plan that works for you and your situation. The biggest reason people have to plan for long-term care is the cost. You may think these facilities can’t cost more than your mortgage or rent, but you’d be surprised. The American Council on Aging reports that, on average, Floridians can expect to pay $117,895 per year for a private room and $104,025 for a shared room. Most seniors do not bring in $8,000–10,000 a month, so how can they afford these programs without emptying their savings and selling off their assets? Our team has helped countless individuals create a long-term care plan that works for them and their specific needs. We don’t want anyone to feel like they have to sell off everything they own to qualify for Medicaid and get the care they need. When you come in for a consultation, we’ll explore your needs and wants to determine how to get you where you need to be. We’ll make use of many documents to address all your needs. This includes Advance Directives, Powers of Attorney, Medicaid Planning Documents, Irrevocable Trusts, Long-Term Care insurance Policies, Caregiver Agreements, and vital Estate Planning documents. By creating a plan for your long-term care needs, you can effectively avoid financial burden and hard decisions on your family in the future, protect your assets, receive the care you want, protect your retirement funds, and gain peace of mind. The earlier you start planning and preparing, the better off you will be! A Little Planning Goes a Long Way Don’t Let Long-Term Care Drain Everything You’ve Built
Start Your Day the Danish Way Create Hygge in Every Comforting Morning Step
There’s a quiet magic in the early morning. It’s a time made for gentleness, nourishing both body and spirit. That’s the beauty of hygge , a Danish philosophy rooted in comfort, mindfulness, and savoring life’s small pleasures. Pronounced “ hoo-gah ,” this gentle lifestyle encourages you to slow down and enjoy the present moment. And what better time to begin than first thing in the morning? Begin right where you wake, still nestled beneath the covers. Before your feet ever touch the floor, take a moment to stretch — not the kind that feels like a chore but one that softly awakens your muscles and soothes your joints. This small act stirs your blood and eases your body into the day with kindness. Let your shower become a sanctuary. Choose a soap that smells like the season — apple, cinnamon, or something crisp and woodsy. Let the warm water remind you that you’re not in a rush, that this moment is yours. As the coffee brews or tea steeps, light a candle . Watch it flicker and think of someone who has touched your life. Offer a quiet thank-you and wish them well. This small blessing is a gift to them and you. Slip on your walking shoes and greet the world outside . Even a short stroll can awaken a sense of calm. Listen to the autumn leaves rustle, feel the sun on your cheeks. Let nature’s rhythm soften your own. These hygge-inspired rituals help you reclaim mornings with grace, presence, and joy. You’ve earned mornings like these. Let them carry you forward.
2 SiegelLawGroup.com
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