Different Types of Senior Living

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Assisted Living Locators - Greater Pittsburgh

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Posted on

Apr 05, 2023

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Pennsylvania - Greater Pittsburgh Area

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There are a lot of options when it comes to senior living! Independent living, assisted living, memory care… the list goes on and on. What is the difference? Which is right for your family? How much do they cost and what is important to know about each one? Each offers its own level of independence and care—and what might be right for someone else might not be the best fit for your loved one. Get the details on each so that you can make an informed decision.

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What You Must Know About Your Right To Your Spouse's Retirement

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Under ERISA, if youre married at the time of your death, your spouse is automatically entitled to receive 50 percent of the value of your employer-sponsored plan even if your beneficiary designations say otherwise.The only time that your surviving spouse would not inherit half of your ERISA-governed retirement account is if your spouse signs an official Spousal Waiver saying they are affirmatively waiving their right to inherit 50 percent of the account, or if the account beneficiary is a Trust of which your spouse is a primary beneficiary. IRAs Have Different Rules Than 401KsIf you want your children to inherit more than 50 percent of your work-sponsored retirement benefits, and completing a Spousal Waiver isnt an option, consider rolling the account into a personal IRA instead.In contrast to 401(k)s and similar employer-sponsored plans, IRAs are controlled by state law instead of ERISA. That means that your spouse is not automatically entitled to any part of your IRA. 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5 Reasons to Keep Your Printed Photos

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Assisted Living Locators - Greater Pittsburgh Area

Housing Placement & Resource Specialists 1419 Macon Avenue, Pittsburgh, Pennsylvania, 15238

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