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Graying hair, shrinking bones and weakening muscles are all natural side effects of the aging process. But did you know that your fluid intelligence—or ability to reason, identify patterns and solve problems—also declines as you get older? It’s true, and according to experts at the Center for Decision Sciences at Columbia University, this makes it difficult for anyone
over the age of 60 to make sound financial decisions.

That’s startling information, especially if you’re trying to care for an aging parent and are approaching retirement yourself. Fortunately, learning to identify the earliest signs of financial decline can help you recognize and manage the situation before it deteriorates further. These signs include slowness completing financial tasks (such as figuring the tip at a restaurant or writing a check at the pharmacy), missing important details in financial documents, and confusion about basic financial concepts.

According to the most recent
National Health Interview Survey, more than 33 percent of U.S. adults and nearly 12 percent of U.S. children use complementary health approaches including natural products, yoga, meditation, massage therapy and chiropractic or osteopathic manipulation. Most of them pay for these tools out of their own pockets because they do not realize that their insurer will cover all or a portion of their alternative care costs.

The Affordable Care Act (ACA) prohibits insurers from discriminating against any licensed healthcare provider, whether they practice traditional or alternative medicine. Though health insurers can still deny coverage for treatments they consider experimental or not medically essential, some are beginning to cover well-established alternative tools like biofeedback, acupuncture and chiropractic care.

If you regularly visit a naturalist, chiropractor or massage therapist, it may be time to take a closer look at your health insurance plan. Start by calling your insurance company and asking them these questions about the alternative medicine coverage they provide:

Young Insurance Agent Achievement

Since joining V.F. McNeil Insurance in 2014, Salvatore D’Angelo has far exceeded the expectations of this Trusted Choice® Independent Insurance Agency located in Branford, Connecticut.

Through hard work, dedication to learning, and a genuine respect for people and the things they work hard for, D’Angelo has developed a strong, relationship-based clientele both in personal lines and commercial lines insurance.

In 2015 particularly, he not only met his development goals but far exceeded them.  “It’s our pleasure to highlight his accomplishments and have him as part of our insurance team,” commented Daniel McNamara, President of V.F. McNeil Insurance.  

Do you use email to advertise your business? If so, those messages are subject to rules established under the
CAN-SPAM Act. Signed into law by President George W. Bush in 2003, it applies to all commercial email messages that advertise or otherwise promote a commercial product or service.

Should the Federal Trade Commission (FTC) find you in violation of the CAN-SPAM law, your business could face a penalty of up to $16,000 per email sent. However, the FTC isn’t the only one looking at the emails you send. Many email and internet service providers (ISP) use SPAM filters to keep unwanted messages out of their customers’ inboxes. In fact, according to ReturnPath, an email data services provider, one out of every five legitimate emails never makes it to its destination. It’s either swept up by a SPAM filter or blocked by an ISP.


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Suite 200
Branford, CT 06405


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