In 49 states, long-term disability benefit claims for physical ailments – like cancer, arthritis and stroke – are assessed differently than mental health issues such as major depressive disorder, ...

Welcome to Ask Lacey, an advice column in which accredited financial counselor and MilMo founder Lacey Langford answers your pressing financial questions. Have a question for Lacey? Submit it here. Q.

Deciding between a stand-alone or hybrid long-term care policy can be confusing. We asked ChatGPT for advice, then had a licensed long-term care insurance specialist review its answer line by line.

About 1 in 7 Americans will spend at least $100,000 out of pocket for long-term care. Health insurance generally doesn't cover long-term care services, and Medicare doesn't cover most expenses. Not ...