This week on the Blog and on our radio program, the focus is on Medicaid. That’s the means-tested program funded by a combination of federal and state dollars that covers a wide range of services, including long-term care for those who qualify. While Medicare tends to get more press, Medicaid fills a critical need that … Read more
Every week at the Blog, we analyze various reports and articles featuring dire predictions regarding the long-term health of Medicare and Medicaid. These updates often leave us asking a critical question: When will our nation’s policy-makers finally come to grips with this mounting crisis? A few months ago, we encountered an insightful 2025 article from … Read more
Caregiver stress is a frequent topic of discussion on the Blog for a very clear reason. There are tens of millions of people currently providing care, and nearly every one of them carries the heavy burden of caregiving in a unique way. Whether you are providing care yourself or are supporting a friend or family … Read more
If long-term care is in your future, you’ll probably consider at some point whether or not to apply for Medicaid. But before Medicaid officials will agree to pay for your future care, the first thing they’ll probably do is to take a look at your past – specifically, the last five years. It’s commonly called … Read more
Have you ever noticed how, when the topic of Medicare and Medicaid come up, many of your friends seem to get a blank expression on their faces? Despite the fact that tens of millions of Americans are directly affected by these two legacy programs, the level of confusion and disinformation among the general public – … Read more
Is your estate plan truly complete? Before you answer, you might want to take a look at this insightful article from Kiplinger that talks about elements of what the author considers a complete estate plan. The article was written last year by California attorney John Goralka, and we think it makes some solid, if somewhat … Read more
The old adage reminds us that “those who fail to plan, plan to fail.” This sentiment is undeniably true in the arena of retirement planning. It helps explain a dismal statistic often cited by Rajiv Nagaich: while 90 percent of seniors hope to age in place, only about 30 percent actually live out their lives … Read more
Every so often, a story comes across our desks that demands our full attention. We experienced that late last year when we first encountered this deeply moving column in the Wall Street Journal. It chronicles the lives of Glenn and Karen Ruffenach, a couple who meticulously designed their golden years, only to have those plans … Read more
As we read about the political maneuvering and posturing in our nation’s capital, it’s often easy to dismiss all the noise because “it doesn’t affect us.” One case in point involves the cuts to Medicaid that were included in the legislation nicknamed “One Big, Beautiful Bill.” (We wrote about that bill here on the Blog … Read more
It is often ironic how yesterday’s science fiction rapidly transforms into today’s science fact. Technology we once dismissed as too outlandish to be real is now part of our daily routine, ranging from personal computers and smartphones to autonomous vehicles and artificial intelligence. The lesson for the modern era is clear: we should not be … Read more
Will your plan for retirement lead to disaster if your health fails? Will you end up forced into institutional care, go broke paying for care, or become a burden on your family?
For millions of Americans, the answer is yes. This video explains why retirement turns into a nightmare for so many people and how completing this course can keep these nightmares from happening to you.
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Since the AgingOptions Radio Show first began airing in the Pacific Northwest in 2006, elder law attorney Rajiv Nagaich has been helping people answer some of life’s toughest questions. In this comprehensive anthology, drawn from thousands of hours of AgingOptions Radio Show broadcasts, listen to Rajiv Nagaich answer callers’ questions about retirement planning. His answers are packed with important nuggets of information that will help you create your own LifePlan for retirement. It’s a recording you’ll want to listen to again and again.
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As an elder law attorney, Rajiv Nagaich has spent more than two decades helping older adults and their family caregivers cope with retirement plan failure. Despite doing exactly what their trusted advisors had told them to do—enrolling in Medicare, saving plenty of money, buying long-term care insurance, and creating an estate plan—Rajiv's clients found themselves forced into institutional care, assets lost to unplanned care costs, and a burden to their families. In Your Retirement: Dream or Disaster, you will learn the shocking truth about why this happens—and what you can do to avoid it. This book is a must read if you want to avoid the hidden traps in retirement planning advice that turn life into a living nightmare for 70% of Americans.
What does it take to avoid the nursing home, avoid going broke and avoid burdening your family during your retirement years? That’s the question elder law attorney Rajiv Nagaich answers in Master Your Future, the groundbreaking program that has aired more than 1,500 times on public television stations nationwide. The Master Your Future Program DVD is a great a way to watch (and rewatch) Rajiv’s shocking revelations and piercing insights about the state of retirement planning in America. Drawing on his own family’s experience and that of thousands of clients during his 20+ years as an elder law attorney, Rajiv explains why traditional approaches fall short and shows how this failure results in 70% of American retirees being forced into institutional care. Rajiv then offers a surprisingly simple solution to create the retirement of your dreams.
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