4 Key Aspects Senior Couples Should Consider Before Getting Married

Author

Assured Senior Living

Posted on

Sep 28, 2022

Book/Edition

Colorado - Denver Metro

The expression – love knows no bounds fits perfectly for couples looking to tie the knot in their golden years. Compared to marrying young, as a senior, you’re bound to have much more financial stability and a stronger understanding of who you are as a person. As a result, you can dedicate the majority of your time to living the best life with your significant other. For older couples on the cusp of marriage, this article will explore key considerations to be aware of before starting the next chapter of your life.


This resource guide is just one example of the great content you can find on the Assured Senior Living website.

Take a Call on Finances

The big question to answer will be whether to combine your finances or not. Merging finances is not as simple as pooling money into the same savings accounts, you’ll need to take a call on:



  • Managing day-to-day expenses such as home maintenance, groceries, utilities, etc.
  • Whether to add your spouse’s name on assets such as a second home, investment property, 401(k) plan, and more.
  • If either of you have debt, decide whether the individual will be solely responsible for repaying it or will it be repaid using pooled resources.


Additionally, be open about your future investment plans, such as expanding your portfolio, buying property, etc., and ask your spouse to do the same. Make the necessary tweaks and create a new financial plan which serves as a pathway to reach goals as a couple. 


Given the complexity of this process, consider working with a financial professional who can help make a solid plan and educate you on how to manage money as a new couple.

Review Medicaid Benefits

If you or your spouse currently receive Medicaid, take into consideration how the marriage will impact the benefits you receive. As reported by Medicaid.gov, this is a public health program catered toward helping low-income individuals, but its eligibility is calculated based on total household income. Hence, if the annual income of your new household exceeds the maximum threshold, you may no longer be eligible for Medicaid.


In this scenario, it is important to make a clear plan on how healthcare requirements will be managed in the future. The best options include:



  • Applying for good health insurance, which can be taken separately or as a couple.
  • Use your employer-provided health insurance to cover healthcare needs. As coverage varies among companies, it’s best to speak with the employer to understand the viability of this option.

Create Future Plans

With a partner by your side, the future will look different than before. While you don’t need to follow plans to the T, it’s good to create several mutually shared goals to work towards in the golden years of your life. These can include:


  • Starting a Business: If the entrepreneurial spirit burns bright in both of you, starting a business can be a great option to consider. Given decades of work experience, both of you will bring unique skills and experience to the table that will help make the business successful. In addition to serving as the primary or secondary source of income, managing the business as a couple will result in you spending the majority of time with your better half each day.


When it comes to promoting your business, the essentials will include designing a responsive website and leveraging social media advertising. There are various online tools through which you can create a Facebook ad in seconds. 


  • Buying a Home: While moving in with your partner is always an option, relocating is an exciting prospect to consider. This can involve moving to a state both of you always wanted to live in, or making the move away from the city to spend your retirement years in peace in the suburbs.


The home buying process can be tedious, as it may involve selling your current home, applying for a mortgage, and much more. Hence, it’s best to start early and create provisions in your financial plan.

Consider a Prenuptial Agreement

While this may be an uncomfortable topic to bring up, discuss the need for a prenuptial agreement (prenup) with your partner. As reported by Nolo, a prenup is a legal document that includes details regarding the financial assets of each individual and conditions attached to them in the event of divorce or bereavement.


Here are prominent reasons you can consider creating a prenup:



  • Assets from Previous Marriages: Individuals with children from prior marriages can use prenups to clarify how assets will be distributed in the event of their passing. Without a prenup, property rights typically pass onto the significant other, which creates the possibility of a future legal dispute.
  • Protection from Debts: Prenups can also be used to protect yourself from being held liable for the repayment of your partner’s debts. 


While you may be counting down the days to the wedding, before making it official, take the time to make a plan regarding the above-mentioned aspects to ensure you and your partner are secured for the foreseeable future.

Other Articles You May Like

Navigating the Grocery Store for Healthy Choices

Eating healthy can help us maintain an active lifestyle. Good nutrition can help manage weight, boost energy, and prevent diseases. For caregivers, ensuring that seniors make nutritious choices while grocery shopping can significantly impact their overall well-being. With some simple strategies, shopping trips can become easier and more rewarding.Learning to Read Nutrition LabelsShopping smarter starts with deciphering nutrition labels. These labels are filled with valuable information about the foods we consume. Start by checking the serving size, as portions can be deceiving. Many packages contain multiple servings, which can impact calorie intake if you're not careful. Look at the total calories and consider how these fit into a daily diet.Pay attention to key nutrients such as:Carbohydrates, fats, and proteins for balanced energyVitamins and minerals to support immune and bone healthHidden sugars and unhealthy fats, which often go by names like high-fructose corn syrup or hydrogenated oilsReading nutrition labels thoroughly can help you make healthier choices and limit unnecessary sugars and fats that may lead to health concerns.Choosing Fresh ProduceIncorporating a diverse mix of fruits and vegetables offers numerous health benefits. Fresh produce is rich in essential nutrients that support overall health. In Colorado, local and seasonal produce might include:Spring: Leafy greens like spinach and kaleSummer: Berries, tomatoes, and zucchiniFall: Pumpkins, squash, and applesWinter: Root vegetables like carrots and potatoesWhen selecting fruits and vegetables, look for vibrant colors, firm textures, and fragrant aromas. These are indicators of freshness and ripeness. Avoid produce with bruises or blemishes, as these can indicate spoilage.Avoiding Processed FoodsProcessed foods are often high in unhealthy fats, sugars, and preservatives, which can adversely affect health. Limiting these items is key to maintaining a nutritious diet.When shopping, try these swaps:Choose plain yogurt over flavored optionsOpt for fresh meats instead of packaged deli itemsSelect whole grains like brown rice or quinoa instead of refined white breadStock up on healthy snacks like nuts, seeds, and fresh fruits instead of processed snacksBy focusing on whole, natural foods, you can provide better nutritional support for seniors.Navigating Store Sections for Optimal NutritionSuccessful shopping for nutritious foods is all about knowing where to look. Grocery stores are generally organized with perimeter sections offering the freshest options, such as produce, dairy, and meats. You'll find the healthiest, least processed foods in these areas.Take time to explore the inner aisles for important staples, too. Whole grains, nuts, and legumes are often nutritious options in these sections. Just remember, the closer a food looks to how it appears in nature, the healthier it will likely be.Need Support with Healthy Eating at Home?Making informed choices at the grocery store is vital for better health. With these tips, seniors and their caregivers can foster a diet that supports long-term well-being.If you or a loved one needs support maintaining a healthy lifestyle, contact us at Senior Helpers Fort Collins. Our team proudly serves Fort Collins, Englewood, Littleton, Lone Tree, and Loveland, and we're here to help you embrace healthier habits. Call us with any questions 970-344-6227.

Essential Pantry Staples for Healthy Aging

Maintaining proper nutrition is a crucial aspect of healthy aging, especially for seniors who wish to continue living independently and enjoying their golden years. By stocking your pantry with the right combination of nutrient-dense foods, you can empower yourself to prepare wholesome, energizing meals that support your overall well-being. In this article, well explore the top pantry essentials that should be on every seniors radar.The Importance of a Well-Stocked PantryA thoughtfully curated pantry is the backbone of a balanced diet. When you have a variety of healthy ingredients on hand, it becomes significantly easier to whip up nutritious meals on the fly, without the need for multiple trips to the grocery store. This not only saves you time and money but also helps you avoid the temptation of less-than-ideal food choices that can compromise your health.Pantry Essentials for SeniorsNow, lets delve into the specific pantry items that should be on every seniors radar. These versatile and nutrient-dense foods will serve as the foundation for countless delicious and nourishing meals.Whole GrainsWhole grains, such as brown rice, quinoa, and whole-wheat pasta, are powerhouses of fiber, vitamins, and minerals. These complex carbohydrates provide sustained energy and can help regulate cholesterol levels and blood pressure, reducing the risk of chronic conditions. Oatmeal, a classic breakfast staple, is another excellent whole-grain option that can be easily customized with fresh fruit, nuts, and a touch of honey.Beans and LegumesBeans and legumes are true nutritional superstars, offering a potent combination of protein, fiber, and antioxidants. From kidney and black beans to chickpeas and lentils, these versatile ingredients can be incorporated into soups, stews, and even meatless chili, providing a satisfying and filling base for your meals.Nuts and SeedsNuts and seeds are nutrient-dense snacks that can also be used to enhance the flavor and texture of various dishes. Almonds, pistachios, walnuts, and pumpkin seeds are all excellent sources of healthy fats, protein, and essential minerals. Keep a variety of these on hand for quick and nourishing between-meal bites or to sprinkle on top of salads, oatmeal, and yogurt.Canned GoodsCanned goods, such as tuna, salmon, and a variety of fruits and vegetables, are convenient and cost-effective pantry staples. These items often have a long shelf life, making them ideal for seniors who may not have the time or energy to frequent the grocery store regularly. When selecting canned goods, opt for low-sodium or no-added-salt options to keep your sodium intake in check.Spices and HerbsElevating the flavor of your meals is not only enjoyable but can also encourage healthier eating habits. Spices and herbs, such as garlic, ginger, turmeric, and basil, are not only packed with antioxidants but can also help reduce the need for salt, sugar, and unhealthy fats in your cooking. Experiment with different flavor combinations to keep your taste buds engaged and your meals exciting.Healthy Fats and OilsIncorporating healthy fats into your diet is crucial for maintaining overall health. Olive oil, avocado oil, and coconut oil are excellent choices for cooking, dressings, and marinades. Additionally, consider keeping a bottle of apple cider vinegar on hand, as it can be used to add a tangy twist to a variety of dishes, from salads to stir-fries.Dried Fruits and NutsFor a quick and satisfying snack, keep a selection of dried fruits and nuts in your pantry. Raisins, apricots, and cranberries provide a natural sweetness, while nuts like almonds, walnuts, and cashews offer a crunchy texture and a boost of healthy fats and protein. These shelf-stable items can also be used to add texture and flavor to baked goods, oatmeal, and trail mixes.Honey and Maple SyrupWhen it comes to satisfying your sweet tooth, opt for natural sweeteners like honey and maple syrup. These alternatives to refined sugar can be used in baking, drizzled over yogurt or oatmeal, or even incorporated into marinades and dressings. Not only do they provide a touch of sweetness, but they also offer additional health benefits, such as antioxidants and anti-inflammatory properties.Whole-Wheat Flour and Baking EssentialsFor any of your baking needs, keep a supply of whole-wheat flour, baking soda, baking powder, and spices like cinnamon and nutmeg. These ingredients can be used to create healthier versions of your favorite baked goods, from muffins and breads to cookies and scones. Experiment with natural sweeteners like honey or maple syrup to reduce your intake of refined sugars.Putting It All TogetherBuilding a well-stocked pantry takes time and effort, but the benefits are well worth it. Start by gradually incorporating these essential items into your shopping routine, and dont be afraid to try new recipes and flavor combinations. Remember, healthy eating is a journey, and by embracing these nutrient-dense pantry staples, youre taking a significant step towards nourishing your body and supporting your overall well-being in the golden years!  

Strengthening Bones with 7 Superfoods

As we age, the health and resilience of our bones become increasingly crucial. Osteoporosis, a condition characterized by diminished bone density, affects millions of older adults, leaving them vulnerable to debilitating fractures. However, with the right dietary choices, we can proactively safeguard our skeletal structure and reduce the risk of this insidious disease.Dairy Delight: Calcium-Rich Allies for Bone BuildingDairy products, such as milk, yogurt, and cheese, are renowned for their exceptional calcium content, a mineral essential for maintaining strong, healthy bones. Calcium not only provides the building blocks for bone formation but also aids in the absorption of other vital nutrients like vitamin D, which enhances the bodys ability to utilize this critical mineral. By incorporating a variety of dairy items into your daily diet, you can ensure a steady supply of the essential nutrients your bones crave.Seafood Superstars: Vitamin D and Calcium in AbundanceCertain types of seafood, such as sardines, salmon, and tuna, are true powerhouses when it comes to bone health. These marine delicacies are rich in vitamin D, a nutrient that plays a pivotal role in facilitating calcium absorption and promoting overall skeletal integrity. Additionally, some varieties, like canned sardines, contain calcium-rich edible bones, providing a double-whammy of bone-boosting benefits.Leafy Greens: Calcium, Magnesium, and BeyondLeafy greens, including collard greens, spinach, and kale, are veritable treasure troves of bone-nourishing nutrients. Not only do they supply ample amounts of calcium, but they also contain magnesium, a mineral that works in tandem with calcium to support strong, resilient bones. Furthermore, these verdant veggies are brimming with vitamin K, a lesser-known but equally important player in maintaining optimal bone health.Egg-cellent Choices: Vitamin D and Protein for Bone StrengthEggs are a versatile and readily available food source that offers a wealth of benefits for bone health. Packed with vitamin D, a crucial nutrient for calcium absorption, eggs provide a convenient and easily accessible way to bolster your skeletal foundation. Additionally, the high-quality protein found in eggs contributes to the overall structural integrity of your bones, making them a truly well-rounded addition to any bone-healthy diet.Tofu: A Vegetarian Powerhouse for Bone NourishmentFor those seeking plant-based options, tofu stands out as an exceptional choice for supporting bone health. This soy-based food is rich in calcium, a mineral essential for bone formation and maintenance. Moreover, tofu contains other key nutrients like protein, iron, and phosphorus, all of which work together to promote strong, resilient bones, regardless of your dietary preferences.Nutty Nutrition: Almonds, Walnuts, and PistachiosNuts, such as almonds, walnuts, and pistachios, offer a delicious and versatile way to incorporate bone-strengthening nutrients into your diet. These nutrient-dense snacks are brimming with magnesium, a mineral that plays a crucial role in calcium absorption and bone metabolism. Additionally, walnuts are a valuable source of omega-3 fatty acids, which have been shown to enhance bone health and reduce the risk of osteoporosis.The Crimson Superfruit: Red Grapefruits Vitamin C BoostStarting your day with a refreshing red grapefruit can provide a significant boost to your bone health. This citrus fruit is an exceptional source of vitamin C, a nutrient that aids in the production of collagen, a key structural component of bone. By incorporating red grapefruit into your routine, you can give your skeletal system the nourishment it needs to thrive.  Maintaining strong, healthy bones is a lifelong journey, and the foods you choose to incorporate into your diet play a crucial role in this endeavor. By embracing these seven bone-strengthening superfoods, you can take a proactive step towards safeguarding your skeletal health and reducing your risk of developing osteoporosis. Embark on this nutritional journey and unlock the power of a bone-friendly diet for a lifetime of mobility and independence!

Local Services By This Author

Assured Senior Living 9

Memory Care 5286 South Andes Court, Centennial, Colorado, 80015

MEMORY CARE WITH A MISSION - LOVE IT'S WHAT WE DO! Maybe youve already sampled the typical memory care routeonly to find your concerns were more than founded.  Instead of thriving, your loved one declineddeprived of the love, comfort, and consideration they once enjoyed. Isnt there a better way? you wondered, hopeful a new path might emerge?Your decision to transition your loved one into memory care wasnt made lightly.  You acted out of selfless love knowing you could no longer provide the level of daily care they needed to remain safe and independent in their own home. Still, the thought of watching your once-vibrant loved one fading, locked away to stare at the walls in the dreary institution, makes your heartache. No one should be forced to choose between a loved ones safety and quality of life. Your decision to transition your loved one into memory care wasnt made.At Assured Senior Living, you can be assured of our quality care in a safe, secure environment, as well as peace of mind knowing your family member will receive the comprehensive services, personal care, and emotional support he or she needs, 24 hours a day. (*Including awake staff). Our innovative program provides the structure and routine needed to ensure feelings of security and certainty in day-to-day life. Please call for a personal tour of how Assured Senior Living can meet your loved one's unique needs.

Assured Senior Living 3

Memory Care 815 Tarpan Place, Castle Rock, Colorado, 80104

MEMORY CARE WITH A MISSION - LOVE IT'S WHAT WE DO! Maybe youve already sampled the typical memory care routeonly to find your concerns were more than founded.  Instead of thriving, your loved one declineddeprived of the love, comfort, and consideration they once enjoyed. Isnt there a better way? you wondered, hopeful a new path might emerge?Your decision to transition your loved one into memory care wasnt made lightly.  You acted out of selfless love knowing you could no longer provide the level of daily care they needed to remain safe and independent in their own home. Still, the thought of watching your once-vibrant loved one fading, locked away to stare at the walls in the dreary institution, makes your heartache. No one should be forced to choose between a loved ones safety and quality of life. Your decision to transition your loved one into memory care wasnt made.At Assured Senior Living, you can be assured of our quality care in a safe, secure environment, as well as peace of mind knowing your family member will receive the comprehensive services, personal care, and emotional support he or she needs, 24 hours a day. (*Including awake staff). Our innovative program provides the structure and routine needed to ensure feelings of security and certainty in day-to-day life. Please call for a personal tour of how Assured Senior Living can meet your loved one's unique needs.

Assured Senior Living 10

Memory Care 1085 Vivian Street, Golden, Colorado, 80401

MEMORY CARE WITH A MISSION - LOVE IT'S WHAT WE DO! Maybe youve already sampled the typical memory care routeonly to find your concerns were more than founded.  Instead of thriving, your loved one declineddeprived of the love, comfort, and consideration they once enjoyed. Isnt there a better way? you wondered, hopeful a new path might emerge?Your decision to transition your loved one into memory care wasnt made lightly.  You acted out of selfless love knowing you could no longer provide the level of daily care they needed to remain safe and independent in their own home. Still, the thought of watching your once-vibrant loved one fading, locked away to stare at the walls in the dreary institution, makes your heartache. No one should be forced to choose between a loved ones safety and quality of life. Your decision to transition your loved one into memory care wasnt made.At Assured Senior Living, you can be assured of our quality care in a safe, secure environment, as well as peace of mind knowing your family member will receive the comprehensive services, personal care, and emotional support he or she needs, 24 hours a day. (*Including awake staff). Our innovative program provides the structure and routine needed to ensure feelings of security and certainty in day-to-day life. Please call for a personal tour of how Assured Senior Living can meet your loved one's unique needs.