WITH OVER 150 PAGES, the Ultimate Caregiver's Survival Guide -- The step by step blueprint for resolving your eldercare issues by choice, not crisis is a complete, step-by-step, do-it-yourself guide.

It includes all the necessary elements -- worksheets, checklists, examples, instructions, and tips so you can successfully address the whole spectrum of eldercare issues -- including sibling issues so you can resolve your eldercare issues by choice, not crisis.

If you were waiting to order this vital resource until the new title was announced, good move because . . . .

The 1st 100 people to order The Ultimate Caregiver's Survival Guide will also get the 3-CD set of The AgeWiseLiving Expert Series. So in addition to getting the step-by-step blueprint for resolving your eldercare issues by choice, not crisis, you'll also get important information about how to work with an elder law attorney, a personal financial planner, and a relationship expert.

If you're waiting for a better time - don't! 

There is no better time!

For more information and to purchase your copy, please click here.

ARTICLE: Medicare Part D Drug Program Explained

Who Should Enroll?

There are several factors that go into making the decision to enroll in the Medicare Part D program. For Seniors who have no drug coverage and high drug costs, it is an extremely valuable program. Even people who are partially covered by a retirement plan or a secondary insurance plan with drug benefits should look into the coverage provided by the Part D program. Medicare prescription drug coverage provides greater peace of mind by protecting you from expected and unexpected drug expenses. Even if you don't use a lot of prescription drugs now, you should still consider joining. As we age, there is a good chance we will need prescription drugs to stay healthy. For most people, joining now means protection from unexpected prescription drug bills in the future, and the cost of the insurance is relatively low.

When Does One Sign Up?

November 15 to December 31 is the period for enrolling in Medicare D Drug Program for those already on Medicare, and the time to switch plans, should there be a need, for those already enrolled.

You may sign up when you first become eligible for Medicare (three months before the month you turn age 65 until three months after you turn age 65). If you don't sign up when you are first eligible, you may sign up in any subsequent year during that same November 15 to December 31 period mentioned above. The catch is that, if you wait, you will pay a penalty which will be added to your monthly premium. However, the penalty is not overly burdensome.

How to Enroll?

The most difficult part of enrolling is deciding which is the right plan for you. Fortunately, Medicare will literally walk you through the process.

Once you have enrolled, received your Medicare D number and given it to your pharmacy, the ongoing process is very easy. We encourage our clients, whenever possible, to use their local independent pharmacy where they can develop a one-on-one relationship with the pharmacist. There might be some savings in using a chain, but the personal attention of a private pharmacy, and their sensitivity to the constantly changing rules, may be worth the additional cost.

If you have questions about Medicare D or any other Medicare, Medicaid, or health insurance plan, please feel free to call Eddy & Schein at 212-987-1427.

Eddy & Schein In-Home Administrators for Seniors helps you manage the paperwork that always seems to get out of hand, but is essential to elderly care, seniors retirement, day-to-day living and planning for your parent's or your own future. For more information, please go to www.eddyandschein.com. While you're there, you can download their "10 Mistakes to Avoid: Make Your Senior Years Easier" at www.eddyandschein.com/10mistakes.)

Upcoming Seminars

THE NOVEMBER AgeWiseLiving *No Charge* TELESEMINAR

Reverse Mortgages -- The New Retirement Strategy, What You Need To Know
Wednesday, November 12, 2008
7:00 to 8:00p EASTERN TIME
To join this FREE teleseminar, at 7p just call:
(269) 320-8400 ~ Conference Code: 742785#

Upcoming Live Seminars

For information about how to attend an AgeWiseLiving seminar and upcoming dates and locations, please go to Seminars.