Modern Estate Planning Blog

Medicare costs are increasing again in 2026, and understanding the changes now can help you plan ahead and avoid surprises later.

Needing long-term care does not mean the healthy spouse has to lose everything. Updated 2026 Medi-Cal spousal protections explain how assets and income can still be preserved.

A new IRS rule taking effect in 2026 could change how older, higher-earning employees save for retirement. Many people will not realize it affects them until it is too late.

From lower drug costs to new consumer protections, Medicare will look different in 2026. At Chubb Law Firm PC, we guide older adults and caregivers through these changes so they can make informed decisions.

Medicare open enrollment is designed to give you clarity and choice, but it’s also when scammers become most active. Recognizing the red flags early is key to safeguarding both your coverage and your identity.

Many Sacramento families worry that providing financial support could jeopardize a loved one’s Medicaid or SSI. Special needs trusts are designed to protect those benefits while still improving quality of life.

Recent news from the Trump administration has sparked uncertainty about the future of these benefits, particularly for those in the Sacramento region who depend on SSI for daily living expenses.

With rents continuing to rise and federal assistance programs under threat, many seniors on fixed incomes are facing housing insecurity and the risk of homelessness.

When an aging parent shows signs of memory loss, confusion, or cognitive decline, getting them to seek help can be a challenge.

Many parents in Sacramento and across California find that the demands of caregiving touch every part of life, from health and finances to friendships and personal identity.

As people age together, it is common for one spouse to step into the role of caregiver for the other. While this may seem natural, the reality is that many older caregivers are also managing their own health challenges at the same time.

Living with a chronic health condition often means managing treatments, navigating the health care system, and making difficult choices about future care. For many people in Sacramento, the biggest worry is what will happen if they are no longer able to make or communicate those decisions.

The Social Security Administration will phase out most paper checks by September 30, 2025. Chubb Law Firm PC explains how to switch to direct deposit or a Direct Express® debit card to ensure timely, secure benefit payments.

Approaching 65? Learn how Medicare works with COBRA, retiree coverage, and employer health insurance so you can avoid penalties, gaps in coverage, and high medical bills. Chubb Law Firm PC helps you make informed Medicare decisions to protect your health and finances.

Autism spectrum disorder (ASD) is legally recognized as a disability, giving individuals important rights to education, employment accommodations, and public services. Learn how the Social Security Administration evaluates autism for SSI and SSDI benefits, and how Chubb Law Firm PC can guide you through the process.

Getting ready to turn 65? Learn the key facts about Medicare, when to enroll, and how to avoid costly mistakes. Chubb Law Firm is here to help you make confident, informed decisions about your future healthcare and benefits.

Explore what the reintroduced Choose Medicare Act could mean for your health care options. Chubb Law Firm PC breaks down Medicare Part E and how it may impact individuals, employers, and families nearing retirement.

Long-term care isn’t fully covered by Medicare or Medicaid—so what’s your plan? Chubb Law Firm, PC breaks down what these programs actually pay for and offers smart, practical steps to help you stay prepared and protected.

Learn how new Social Security rules could make it harder for seniors and people with disabilities to update direct deposit info—what you need to know and how Chubb Law Firm PC can help.