From the news editorial staff at the Palos Verdes Peninsula News

Issues surrounding finances, health care, asset protection, long-term care and estate planning become more complicated as we get older. The rules change on us and markets crash and soar, making it difficult to stay on top of these matters.

What should be a time to relax and enjoy the fruits of labor can be a troubling and stressful period. Have I planned enough? Have I saved enough? Will there be Social Security or Medicare available for me? How do I pay for my medication when the cost keeps rising?

Once we retire, we live on a fixed income. Whether that means our savings will cover the basic necessities — food, shelter and health care — or the basics plus annual travel expenses or some other luxury depends on the retiree. It also depends on what unexpected events life conjures up: fire, earthquake, uncovered medical expenses, theft or fraud.

Who can we turn to when we need relief, financial advice or legal counsel? This help is not always affordable. Without the right help, our life-savings could be drained.

Senior citizens living in our community are fortunate to have H.E.L.P., or Healthcare and Elder Law Programs. This nonprofit organization based in Torrance provides classes, mediation and legal assistance. Tax and estate planning, navigating health-care and prescription plans, planning for long-term care, protecting our families after our death and resolving disputes don’t seem as daunting with someone knowledgeable by our side.

These services are low-cost or no-cost; community donations help fund them so that seniors on a fixed income can receive the help they need without cleaning out their bank accounts.

H.E.L.P. celebrated its 15th anniversary last week. (See Society on Page A12.) The News congratulates the organization for its longevity and thanks its administrators for being there for the senior citizens of our community.

It’s nice to know that there is an agency such as H.E.L.P. around, for we will all at one point require their services.

Read the original article here.

From the news editorial staff at the Palos Verdes Peninsula News

Issues surrounding finances, health care, asset protection, long-term care and estate planning become more complicated as we get older. The rules change on us and markets crash and soar, making it difficult to stay on top of these matters.

What should be a time to relax and enjoy the fruits of labor can be a troubling and stressful period. Have I planned enough? Have I saved enough? Will there be Social Security or Medicare available for me? How do I pay for my medication when the cost keeps rising?

Once we retire, we live on a fixed income. Whether that means our savings will cover the basic necessities — food, shelter and health care — or the basics plus annual travel expenses or some other luxury depends on the retiree. It also depends on what unexpected events life conjures up: fire, earthquake, uncovered medical expenses, theft or fraud.

Who can we turn to when we need relief, financial advice or legal counsel? This help is not always affordable. Without the right help, our life-savings could be drained.

Senior citizens living in our community are fortunate to have H.E.L.P., or Healthcare and Elder Law Programs. This nonprofit organization based in Torrance provides classes, mediation and legal assistance. Tax and estate planning, navigating health-care and prescription plans, planning for long-term care, protecting our families after our death and resolving disputes don’t seem as daunting with someone knowledgeable by our side.

These services are low-cost or no-cost; community donations help fund them so that seniors on a fixed income can receive the help they need without cleaning out their bank accounts.

H.E.L.P. celebrated its 15th anniversary last week. (See Society on Page A12.) The News congratulates the organization for its longevity and thanks its administrators for being there for the senior citizens of our community.

It’s nice to know that there is an agency such as H.E.L.P. around, for we will all at one point require their services.

Read the original article here.