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If you work for a midsize or large company, you may soon be able to review your employee benefits package, as we are entering the open enrollment season. So, consider your options carefully, with an eye toward making changes appropriate for your needs.
Here
are some of the key areas to look at:
•
Retirement plan – Depending on your employer, you could change your
401(k) or similar retirement plan at any time of the year, but you might want
to use the open enrollment season to review your contribution amounts. If your
salary has gone up over the past year, you might want to boost your pre-tax
contributions (including catch-up contributions beginning at age 50). At a
minimum, try to put in at least enough to earn your employer’s match, if one is
offered. At the same time, look over how your contributions are allocated among
the various investment options in your plan. You’ll want your investment mix to
reflect your goals, risk tolerance and time horizon.
•
Life insurance – If your employer offers group life insurance at no cost
as an employee benefit, you may want to take it – but be aware that it might
not be enough to fully protect your family should anything happen to you. You
may have heard that you need about seven to 10 times your annual income as a
life insurance death benefit, but there’s really no one right answer for
everyone. Instead, you should evaluate various factors — including your
mortgage, your income, your spouse’s income (if applicable), your liabilities,
the number of years until your retirement, number of children and their future
educational needs — to determine how much insurance you need. If your
employer’s group policy seems insufficient, you may want to consider adding
some outside overage.
•
Disability insurance – Your employer may offer no-cost group disability
insurance, but as is the case with life insurance, it might not be sufficient
to adequately protect your income in case you become temporarily or permanently
disabled. In fact, many employer-sponsored disability plans only cover a short
period, such as five years, so to gain longer coverage up to age 65, you may
want to look for a separate personal policy. Disability policies vary widely in
premium costs and benefits, so you’ll want to do some comparison shopping with
several insurance companies.
•
Flexible spending account – A flexible spending account (FSA) lets you contribute
up to $3,200 pre-tax dollars to pay for some out-of-pocket medical costs, such
as prescriptions and insurance copayments and deductibles. You decide how much
you want to put into your FSA, up to the 2025 limit. You generally must use up
the funds in your FSA by the end of the calendar year, but your employer may
grant you an extension of 2½ months or allow you to carry over up to $640.
•
Health savings account – Like an FSA, a health savings account (HSA)
lets you use pre-tax dollars to pay out-of-pocket medical costs. Unlike an FSA,
though, your unused HSA contributions will carry over to the next year. Also,
an HSA allows you take withdrawals, though they may be assessed a 10% penalty. To
contribute to an HSA, you need to participate in a high-deductible health
insurance plan.
Make
the most of your benefits package — it can be a big part of your overall
financial picture.
Chad Choate III, AAMS
828 3rd Avenue West
Bradenton, FL 34205
941-462-2445
chad.chaote@edwardjones.com
This article was written by Edward Jones
for use by your local Edward Jones Financial Advisor.
Edward Jones, Member SIPC
As the senior population in Dallas continues to grow, so does the demand for safe, affordable, and accessible senior transportation. For many older adults, maintaining mobility is crucial to staying independent, engaged, and healthy. Whether its a ride to a doctors appointment, grocery store, or social event, senior transportation services provide a vital lifeline to the outside world.In this guide, well explore the senior transportation options available in Dallas, Texas, the challenges faced by aging adults, and how families can find reliable solutions tailored to their loved ones' needs. Why Senior Transportation in Dallas MattersTransportation is more than just getting from point A to point Bits about maintaining freedom and quality of life. For seniors who no longer drive or face mobility challenges, having access to dependable transportation can reduce isolation, support health needs, and improve mental well-being.In a large and fast-paced city like Dallas, navigating public transit or relying on family and friends isnt always feasible. Thats where dedicated senior transportation services play a crucial role. Senior Transportation Options Available in DallasDallas offers a variety of senior transportation resources that are designed to meet the specific needs of older adults. These services may vary by eligibility, cost, and service area but generally fall into the following categories:1. Non-Emergency Medical Transportation (NEMT)Many seniors in Dallas rely on NEMT services for transportation to and from medical appointments. These rides can often be coordinated through Medicaid, Medicare Advantage plans, or private agencies.2. Public Transit with Senior DiscountsDallas Area Rapid Transit (DART) offers discounted fares and specialized services for seniors, including the DART Paratransit service for individuals with disabilities who are unable to use standard bus or rail systems.3. Volunteer Driver ProgramsSome local nonprofits and community organizations offer volunteer-based transportation, where trained drivers provide rides to essential destinations like grocery stores, pharmacies, and medical clinics.4. Private Senior Transportation ServicesThere are numerous transportation companies in Dallas that specialize in senior care, offering door-to-door service, assistance in and out of vehicles, and tailored scheduling options.5. On-Demand Ride ServicesWhile companies like Uber and Lyft are widely used, they may not always be ideal for seniors. However, some have launched senior-friendly versions with added support, such as scheduled pickups and driver assistance. Challenges Seniors Face Without Reliable TransportationWithout consistent transportation, seniors may struggle with:Missed medical appointments and worsening health conditionsLimited access to healthy food and essential servicesIncreased isolation and risk of depressionA decline in overall quality of lifeThese challenges highlight the importance of ensuring transportation is a part of any long-term care plan. Finding Senior Transportation Services in DallasSearching for reliable senior transportation providers in Dallas can feel overwhelming, but the Seniors Blue Book makes it easier by offering a user-friendly directory of local resources.Explore senior transportation and other resources in Dallas here: Senior Resources in Dallas, TexasSpecifically looking for transportation services? Start here: Senior Transportation in DallasWhether your loved one needs a one-time ride to a specialist or ongoing weekly transportation to the grocery store, there are services in Dallas ready to help. Tips for Choosing the Right Senior Transportation ServiceWhen evaluating transportation options, consider the following:Availability: Is the service available when your loved one needs itnights, weekends, or on short notice?Accessibility: Are vehicles equipped for wheelchairs, walkers, or other mobility aids?Safety: Are drivers trained to assist seniors and provide a safe experience?Affordability: What are the costs, and are there any subsidies or programs to help?Personalization: Can you schedule recurring rides or request the same driver? Conclusion Senior transportation is a cornerstone of independence for older adults living in Dallas. From healthcare access to social engagement, reliable transportation keeps seniors connected and thriving. By exploring the wide range of local options, families can find a solution that supports the safety, dignity, and freedom of their aging loved ones.
As the senior population in Dallas continues to grow, so does the need for accessible, trustworthy information about the many services available to older adults. Whether you're a senior looking to stay independent, a caregiver supporting a loved one, or a professional navigating the senior care landscape, having the right senior resources in Dallas is crucial.This guide provides a comprehensive overview of whats available and how to connect with local services that support healthy aging, safety, and peace of mind. Why Senior Resources MatterAging brings a unique set of needsfrom housing and transportation to medical care and social engagement. Access to senior resources empowers older adults to maintain their quality of life and independence while helping families and professionals make informed decisions. In a city as dynamic and diverse as Dallas, navigating these services can feel overwhelming without a centralized resource.Thats where curated directories and neutral guides like Seniors Blue Book come in. Types of Senior Resources Available in Dallas, TXDallas offers a wide variety of services specifically geared toward older adults and their caregivers. Here are the major categories of senior resources:1. Healthcare and Home SupportMany seniors require in-home care, visiting nurses, or non-medical caregivers to assist with daily activities. Dallas is home to a wide network of home health providers, physical therapists, and skilled nursing support.2. Senior Housing OptionsFrom independent living communities to memory care and assisted living, Dallas provides diverse housing options for aging adults. Choosing the right living arrangement can dramatically affect a senior's safety and happiness.3. Financial and Legal AssistanceNavigating Medicare, Social Security, long-term care insurance, and estate planning can be confusing. Dallas offers access to elder law attorneys, financial advisors, and nonprofit programs that assist with benefits and budgeting.4. Transportation ServicesTransportation often becomes a challenge with age. Thankfully, Dallas offers a range of senior-friendly transport options, including non-emergency medical transport, DART paratransit services, and community volunteer driver programs.5. Social and Wellness ProgramsLoneliness is a significant issue among older adults. Senior centers, churches, and city-funded programs across Dallas offer fitness classes, educational workshops, volunteer opportunities, and more to help seniors stay active and connected.6. Caregiver SupportFamilies caring for aging loved ones can access respite care, support groups, and educational tools that help reduce burnout and improve quality of care. How to Find the Right Senior Resources in DallasChoosing the right services can feel overwhelming, especially with so many options available. Here are a few tips to help you or your loved one navigate senior resources with confidence:Start with a trusted local directory: Use well-established, neutral platforms that compile resources in one place.Ask your healthcare provider or case manager: They often have connections with local service organizations.Reach out to community centers: Many senior centers in Dallas offer referrals and informational sessions.Review service credentials and client reviews: Make sure any provider or program is licensed, well-reviewed, and transparent. Trusted Resource for Seniors in DallasFor a comprehensive directory of senior services in the Dallas area, visit: Senior Resources in Dallas, TexasHere, you can explore options by category, making it easier to find exactly what you needwhether it's a transportation provider, senior housing, or caregiver support. Final ThoughtsAccess to reliable senior resources can make all the difference in how individuals experience aging. Dallas, Texas, is a city that offers a wealth of servicesif you know where to look. By using tools like Seniors Blue Book, seniors and their families can take advantage of local opportunities that promote safety, dignity, and community connection. Start planning today to ensure you or your loved one has the support needed for a fulfilling and secure life in Dallas.
As we age, finding the right care for ourselves or our loved ones becomes essential for maintaining independence and ensuring a high quality of life. Senior care services provide a wide array of options, from help with everyday tasks to specialized medical care. For residents of Dallas, Texas, the abundance of senior care resources makes it easier to find the best care tailored to individual needs. This guide will explore the different senior care options available in Dallas and how families can make informed decisions.Why Senior Care MattersSenior care is about more than just meeting basic needs. It is about ensuring that older adults can live their lives with dignity, comfort, and independence. Depending on the level of care needed, senior care may include assistance with daily activities, medical care, or even specialized care for conditions such as Alzheimers disease and dementia. The importance of senior care cannot be overstated, as it directly impacts seniors' health and well-being.Types of Senior Care Services in DallasDallas offers a wide variety of senior care services to meet the unique needs of aging adults. Some of the most common types of senior care services include:In-Home Care: Seniors who prefer to live independently but require some assistance can benefit from in-home care services. These services may include help with meal preparation, housekeeping, medication reminders, and personal care tasks such as bathing and dressing.Assisted Living: For seniors who need help with daily activities but dont require full-time medical care, assisted living communities offer supportive environments with personal care and social activities.Skilled Nursing: Skilled nursing care is designed for seniors with medical needs that require professional healthcare services, such as wound care, physical therapy, or the administration of complex medications.Memory Care: For individuals with Alzheimers or dementia, memory care facilities provide specialized care focused on enhancing cognitive function and ensuring safety in a secure environment.Hospice Care: Hospice care focuses on providing comfort and relief for individuals nearing the end of life. This compassionate care prioritizes pain management and emotional support for both the patient and their family.Benefits of Senior Care in DallasDallas offers a number of benefits for those seeking senior care services. Some of the advantages of choosing senior care in Dallas include:Access to highly skilled healthcare professionals and medical facilities.A wide variety of care options that cater to different levels of need, from home care to skilled nursing.A supportive community with resources for both seniors and their families, including caregiver support groups and local events.Bilingual and culturally sensitive care, ensuring that seniors from diverse backgrounds receive the care they deserve.A range of payment options and support for families in finding affordable care solutions.How to Choose the Right Senior Care ProviderWhen selecting senior care services, it's important to take into account the specific needs of your loved one. Here are some key steps to help guide you in making an informed decision:Evaluate the level of care needed, from help with daily tasks to full-time medical supervision.Research potential providers and read reviews from other families to gauge their reputation.Ensure that the provider is licensed and staffed with trained professionals.Visit the facility or schedule an in-home consultation to assess the care environment.Check if the provider offers flexibility in care plans and costs.Resources to Start Your SearchWhen searching for senior care services in Dallas, its helpful to use trusted resources to find the best options. Seniors Blue Book provides an extensive directory of home health care services, assisted living facilities, and other senior care resources across Dallas.To explore home health care options in Dallas, visit: https://seniorsbluebook.com/home-health/directory/location/dallas/texasFor non-medical home care providers in Dallas, browse our dedicated category here: https://seniorsbluebook.com/home-health/directory/location/dallas/texas/category/nmhcConclusion Choosing the right senior care service is one of the most important decisions you will make for your loved one. Dallas provides a variety of options, allowing families to find the best care for their unique needs. Whether you're considering in-home care, assisted living, or skilled nursing, the resources available in Dallas can help guide you in finding the right provider. Use trusted sources like Seniors Blue Book to make your search easier and more informed, ensuring that your loved one receives the care and attention they deserve.
Hello, I'm Chad Choate a dedicated financial advisor in Bradenton, FL, I began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals. As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that. Whether you're planning for retirement, saving for college for children or grandchildren or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service. But we're not alone. Thousands of people and advanced technology support from our office can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals. I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program. I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.
Hello, I'm Chad Choate a dedicated financial advisor in Bradenton, FL, I began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals. As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that. Whether you're planning for retirement, saving for college for children or grandchildren or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service. But we're not alone. Thousands of people and advanced technology support from our office can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals. I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program. I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.
Hello, I'm Chad Choate a dedicated financial advisor in Bradenton, FL, I began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals. As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that. Whether you're planning for retirement, saving for college for children or grandchildren or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service. But we're not alone. Thousands of people and advanced technology support from our office can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals. I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program. I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.