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Chosen Years

Retirement & aging guides

Clear, honest guides for the decisions that come with getting older, whether it is for yourself, a partner, a parent or chosen family. We tell you where our information comes from and when we last checked it.

Legal and financial planning

Legal & Financial Planning for LGBTQIA+ Elders

Legal and financial planning

Legal & Financial Planning for LGBTQIA+ Elders

The documents that make sure the people you love can speak for you, visit you, and carry out your wishes. For LGBTQIA+ elders and chosen family, this is protection you cannot assume.

7 min readRead
Paying for Senior Care: Your Options Explained

Legal and financial planning

Paying for Senior Care: Your Options Explained

Medicare, Medicaid, long-term care insurance, VA benefits and private pay: what each one covers, what it does not, and how families actually piece together the cost of care.

5 min readRead
Power of Attorney and Health-Care Proxy for Chosen Family

Legal and financial planning

Power of Attorney and Health-Care Proxy for Chosen Family

The documents that let your chosen family act for you when you cannot. Here is what a power of attorney, health-care proxy, advance directive and HIPAA release each do, and why they matter most for LGBTQIA+ elders.

4 min readRead
Medicare vs Medicaid for Senior Care

Legal and financial planning

Medicare vs Medicaid for Senior Care

Medicare and Medicaid sound similar but pay for very different things. Understanding the difference is essential to paying for senior care, because one covers long-term care and one does not.

4 min readRead
VA Benefits That May Help Pay for Senior Care

Legal and financial planning

VA Benefits That May Help Pay for Senior Care

Veterans and their spouses may qualify for VA benefits that help pay for senior care, including a benefit many families never hear about. Here is what exists and how to start.

5 min readRead
Senior Living Contract Red Flags

Legal and financial planning

Senior Living Contract Red Flags

A residency agreement is a binding legal contract, and some clauses can cost you dearly. Here are the red flags to watch for, and the ones the law says you do not have to accept.

4 min readRead
Wills and Trusts for LGBTQIA+ Elders

Legal and financial planning

Wills and Trusts for LGBTQIA+ Elders

A will or trust is how you decide who inherits what, and who is left out of the decision. For LGBTQIA+ elders and chosen family, that choice cannot be left to state defaults.

6 min readRead
Advance Directives and Living Wills

Legal and financial planning

Advance Directives and Living Wills

An advance directive puts your medical wishes and your chosen decision-maker in writing, so the right person speaks for you and your care matches what you actually want.

6 min readRead
Long-Term Care Insurance Explained

Legal and financial planning

Long-Term Care Insurance Explained

Long-term care insurance can help cover the help you may need with daily living later, but it is not right for everyone. Here is what it covers, what it costs, and the alternatives.

6 min readRead
Medicaid Planning Basics

Legal and financial planning

Medicaid Planning Basics

Medicaid is the largest payer of long-term care in the country, but qualifying means meeting strict income and asset rules. Here is how eligibility, spend-down, and getting help work.

6 min readRead
Social Security for Same-Sex Couples

Legal and financial planning

Social Security for Same-Sex Couples

Since marriage equality became law nationwide, married same-sex couples have the same Social Security spousal and survivor rights as anyone else. Here is how those benefits work and how to think about claiming.

6 min readRead
Avoiding Unwanted Guardianship

Legal and financial planning

Avoiding Unwanted Guardianship

Guardianship can strip away your right to make your own decisions and hand it to someone a court chooses. The right documents, prepared early, are how you keep that control in your own hands.

6 min readRead
Reverse Mortgages: Pros and Cons

Legal and financial planning

Reverse Mortgages: Pros and Cons

A reverse mortgage can turn home equity into cash without a monthly payment, but it is a complex loan with real costs and risks. Here is how it works and who it actually suits.

5 min readRead
Protecting Yourself From Elder Financial Abuse

Legal and financial planning

Protecting Yourself From Elder Financial Abuse

Financial abuse of older adults is common, costly, and often comes from someone the person trusts. Here are the warning signs, the safeguards that work, and how to report it.

5 min readRead