Best Medical Alert Systems
A medical alert system is a worthwhile investment for seniors who live alone. During a crisis, a medical alert device connects you to an emergency responder automatically or with a press of the help button. This guide helps find the best senior alert system for you by comparing equipment, features and cost.
Compare Top Medical Alert System Reviews
Read 570 Reviews
Senior home alert systems and on-the-go packages priced $29.95 to $39.95/month. In-home device range up to 1,300 feet from base. Mobile battery lasts up to 5 days. Additional equipment and fall detection available.
|toll freenumber(800) 863-6980 Learn More|
Read 179 Reviews
Monitored systems start at $19.95/month and include medical alert equipment. Optional fall detection for extra $10/month. Device range is up to 600 feet from the base unit. Base unit has a battery life up to 24 hours.
|toll freenumber(800) 803-4616 Learn More|
Read 1,456 Reviews
Monitored medical alert systems start at $19.95/month. Offers optional fall detection for $7/month. Home base unit has range up to 500 feet. Mobile device battery lasts up to five days.
Read 880 Reviews
Medical alert systems priced $19.95 to $39.95/month. Lockbox and auto fall detection available. Home alert system range is up to 600 feet from the base unit and has a battery life of up to 30 hours.
|toll freenumber(800) 852-0856 Learn More|
Read 734 Reviews
Monthly monitoring fees start at $24.95 and include equipment costs. Add fall detection for $5/month more. Home medical alert device range is up to 1,300 feet from base station. Backup battery lasts up to 42 hours.
|toll freenumber(989) 625-1423 Learn More|
|Jitterbug Smart||Read 969 Reviews|
Monitoring fees start at around $20/month. Cellular medical alerts for seniors priced at $149.99. No fall detection available. Devices equipped with 5Star emergency response service.
|toll freenumber(866) 325-3469 Learn More|
Read 3,917 Reviews
Monitored medical alert systems with optional fall detection priced at $29.95 to $54.95/month. In-home range is up to 800 feet from the base station. Backup battery lasts up to 30 hours.
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|GetSafe Medical Alert|
Monitoring fees start $24.99/month. Sells wearable and stationary equipment for $99 to $359. Does not require long-term contracts. Gives equipment discounts to new clients when they opt into annual payments.
|toll freenumber(844) 659-5849 Learn More|
|Cox Homelife Care|
Read 76 Reviews
In-home medical alert systems priced around $35/month with on-the-go options for $45/month. Alert buttons for seniors include automatic fall detection. Available only in Cox service areas.
|toll freenumber(800) 866-9107 Learn More|
Read 1,207 Reviews
Cellular medical alerts compatible with hearing aids start around $20/month plus $99 equipment cost. Devices aren’t waterproof. Does not offer fall detection. No long-term contract required.
|toll freenumber(800) 650-6452 Learn More|
|Life Alert Emergency Response|
Read 5,066 Reviews
Medical alert system prices from $49.95 to $89.95/month. Equipment costs from $95 to $198. In-home device range is up to 800 feet with a battery life of up to 10 years. No fall detection available.
|toll freenumber(800) 920-3410 Learn More|
Read 644 Reviews
Medical alert systems for seniors priced around $24/month. Equipment costs vary by package. Offers optional fall detection. In-home range from the base station is up to 600 feet. Mobile battery life lasts up to 48 hours.
|Bay Alarm Medical|
Read 3,369 Reviews
Medical alert systems for seniors start at $19.95/month. Offers optional fall detection for $9.95/month. In-home range up to 1,000 feet from base. Mobile battery lasts up to four days.
Read 1,329 Reviews
Cellular medical alert systems with 5Star start at $14.95/month plus equipment costs and a one-time activation fee. The mobile battery unit lasts up to 24 hours.
|Walgreens Ready Response|
Read 13 Reviews
In-home and mobile medical alert systems priced $29.99 and $39.99/month. Offers optional fall detection. Home devices have range up to 380 feet from the base. Backup battery life lasts up to 30 hours.
|Medical Care Alert|
Read 11 Reviews
Monthly monitoring costs start at around $30. Offers optional fall detection for $10/month. In-home base unit has a range of up to 1,000 feet. Battery lasts up to 72 hours.
Read 1,271 Reviews
Medical alert systems for the elderly start at around $20/month. Offers free fall detection with monitoring subscription. Home alert range is 600 feet from the base station. Requires landline for some devices.
Medical alert plans start around $30/month and include equipment costs. In-home range is up to 1,000 feet from the base station. Allows caregivers to follow and monitor their loved one’s behavior.
|Better Alerts||Read Expert Review|
Cellular monitoring plans for seniors start at $19.95/month. Offers fall detection. Compatible with Fitbit and Pebble smartwatches. Allows customers to select up to 10 emergency contacts.
How do medical alert systems work?
Imagine something terrible happening while you’re in your yard, out visiting friends or in the bathroom. With a medical alert system, you can be automatically connected to trained emergency response operators or a trusted loved one with the press of a button.
1 in 4 U.S. residents
aged 65+ fall each year
If you have a monitored system, the medical alert connects you to a live operator through a two-way speaker system. The operator then either contacts local emergency services or a trusted loved one on your predetermined caregiver contact list. Either way, the operator stays on the line with you until help arrives. Unmonitored medical alert systems connect you to pre-programmed contact numbers until someone who can assist answers.
The main components of any in-home medical alert system are the base station and a portable help button. The help button for seniors is usually worn around the neck on a pendant, on the wrist like a watch or clipped to a belt. Some senior alert systems utilize motion detectors, smartphone features and home automation technology to monitor for emergencies.
Mobile medical alert systems for seniors with active lifestyles are designed to function without a stationary base unit. Much like in-home medical alert systems, the device automatically connects to a trained emergency response operator through the speaker system when the wearer presses the emergency call button.
Medical alarm devices can be passive or active. An active device requires you to press a medical alarm button to call for help, while passive systems monitor movements to determine an emergency. Fall detection is one feature of a passive medical alert system device.
Both monitored and unmonitored systems include a panic button or an emergency call button for seniors, and many have the option to add fall detection. If a monitored medical alert system detects a fall, the company may first try to make contact by phone before contacting emergency personnel, depending on your plan’s monitoring services.
Cost of medical alert systems
Price is a significant factor when comparing medical alert systems, especially if you’re on a fixed income. Total medical alert costs include regular monitoring fees ($20 to $90 a month), equipment charges (up to $200 or more) and potential activation or installation fees (up to $100 each).
It’s essential to read the fine print before opting into any medical alert contract. Some companies charge high cancellation fees if you terminate services early. You should also look for a company that offers a price lock guarantee to ensure the system remains affordable. Keep in mind that if you buy a medical alert system and pay for monitoring, you may not be able to afford any price increases at the end of the year.
How much does a medical alert cost per month?
The average monthly cost of medical alert systems with monitoring is between $20 and $90 a month. Most medical alert companies have packages that include free equipment as long as you have an active monitoring subscription. Many companies offer both month-to-month service and contract periods. New customers often get a price break if they enroll in a monitoring contract with a yearly payment plan. Some companies provide unmonitored medical alert systems with no monthly fees at all.
|Monthly monitoring fee||$29.95 - $39.95||$19.95 - $41.95||$19.95 - $32.04||$29.95 - $49.95|
|Device fee||$0||$0||$0||Up to $149|
|Fall protection||+$5/month||+$10/month||+$10/month||Included in some plans|
|Activation fee||$0||$0||$0||Up to $58.95|
|Free trial period||30 days||30 days||30 days|
|Customer service||Read reviews||Read reviews||Read reviews||Read reviews|
|Monthly monitoring fee||Device fee||Fall Protection||Activation fee||Free trial period||Customer service|
|$29.95 - $39.95||$0||+$5/month||$0||30 days||Read reviews|
|$19.95 - $41.95||$0||+$10/month||$0||30 days||Read reviews|
|$19.95 - $32.04||$0||+$10/month||$0||30 days||Read reviews|
|$29.95 - $49.95||Up to $149||Included in some plans||Up to $58.95||Read reviews|
How to choose a medical alert system
As you compare medical alert systems, the first step is deciding whether you want the option to take the device out of your house. Then determine if you would feel safer if your device connects to a trained operator and whether you need fall detection. Remember, it’s crucial to read medical alert device reviews to learn about average customer experience and to always pay attention to the fine print before you sign a contract.
1. Choose between a home-based or mobile medical alert system
Home-based senior medical alert systems have a range between 400 to 1,400 feet from the base station. Mobile systems are designed with a more active lifestyle in mind and have GPS features and an unlimited cellular range.
- Home-based medical alert system: Sometimes referred to as traditional medical alert systems, home-based systems have not changed much since the 1970s. Home-based alert systems come with a wireless pendant that connects to a base station. Not all home-based medical alert systems require a landline and a phone jack — in-home medical alert systems can run on a landline, cellular or internet connection.
- Mobile medical alert system: Mobile medical alert systems have better technology, features and options than home-based medical alert systems, but they also come with a higher price. Mobile medical alert systems include a variety of wearables, including traditional help buttons for seniors on pendants, fashionable medical alarm necklaces and bracelets and smartwatches with built-in monitoring technology. Many caretakers prefer a mobile medical alert system with GPS to help monitor their loved one’s safety while out and about. Mobile medical alert devices have a backup battery that can last for several days, but you still must remember to regularly charge your device.
2. Determine if you need a monitored or unmonitored medical alert system
The best-rated medical alert systems put you in touch with an emergency operator who is ready to respond to any crisis. Monitored systems connect to a dispatch center, and unmonitored medical alert systems dial through pre-programmed contacts when the device is triggered. With unmonitored medical alert systems, you pay for the device without a monthly fee.
- Monitored medical alert systems connect you to a trained emergency response operator when you press the button. The medical alert call button connects you to the dispatch center, and a trained professional talks you through your crisis. The person at the dispatch center can then contact a caregiver, friend or family member or 911. The best medical alert monitoring centers guarantee fast response times and employ bilingual operators or partner with a translation service to provide help in several languages.
- Unmonitored medical alert systems connect you to pre-programmed emergency contacts when the device is triggered. Instead of getting a guaranteed response from an emergency dispatch center, the system calls through a list until it reaches the final number, which is usually 911. Unmonitored medical alert systems are often referred to as “no-monthly-fee” systems since they don’t require a service contract to function.
3. Decide if you should add a fall alert system to your medical alert device
Systems with fall alert features trigger an alarm when a fall is detected, which eliminates the need to press an emergency button for the elderly to call for help after an accident. Medical alert systems with a fall alert feature use accelerometers and barometric sensors to track the movement of the device. Fall detection sensors are often located on a watch, bracelet or neck pendant.
If the fall detection sensor detects a sudden movement, the device sends out a signal to a control center. This feature can be life-saving for seniors if a fall leaves them unconscious or immobile. Even relatively short falls can be devastating for the elderly, so speedy medical attention is the best way to prevent long-term injuries or death.
Medical alert questions
- What is a medical alert system?
Medical alert systems are made up of a base unit and portable emergency help button, usually on a medical alarm bracelet or neck pendant. When the wearer presses the help button, the personal emergency response system (PERS) automatically alerts an emergency response. Medical alert devices connect to monitoring centers through a small radio transmitter in the base station that’s connected to a cellular or landline receptor.
The best medical alert devices are lightweight and not much larger than a key ring. The device connects you to an emergency responder if you have a sudden accident. Much like phones, monitoring devices can run on a cellular connection or require a phone line.
Medical alert systems can be monitored or unmonitored, are available with or without fall alert features and connect to a home-based landline or cellular network. Cell phones and digital assistants like Amazon Alexa don’t have all the features most seniors need to age in place. A wearable help button is more reliable during an emergency, especially in the shower or bath. You don’t have to worry about reaching a phone to call for help because you’re wearing the device.
- Are medical alert systems covered by Medicare or Medicaid?
- No, Medicare does not cover the costs associated with medical alert systems. Depending on where you live, Medicaid might cover part of the cost. However, you could qualify for reimbursement from your long-term care insurance provider.
- Are medical alert systems tax deductible?
- The Internal Revenue Service doesn’t specifically itemize medical alert systems as eligible for tax deductions, but many medical expenses are tax deductible. A tax professional can help you determine if you can deduct a medical alert system on your tax filings.
- What is the best medical alert system?
- Finding the right medical alert system company for yourself or a loved one is important. Here are some factors to compare when looking for the best medical alert for seniors:
- In-home or mobile: In-home systems work inside the customer’s house and require a landline or cellular connection. Home medical alerts typically have lower monthly service fees than mobile medical alert systems. Mobile systems are better for seniors with active lifestyles since the alerts communicate by cellular connection and come with GPS tracking capabilities. Many of the best medical alert system companies offer combined home and mobile service plans for protection while at home and on the go.
- Monitored or unmonitored: In an emergency, a monitored system connects you with a 24/7 dispatcher who stays on the line with you until help arrives. Unmonitored systems are programmed to call a friend or family member and can contact emergency services. Caregivers for loved ones whose first language isn’t English should confirm the monitoring center supports that language before you enroll in services.
- Fall detection: Most senior alert devices offer optional fall detection that automatically notifies an emergency dispatcher when they detect sudden movement. Medical alert systems with fall detection provide extra security for the wearer and greater peace of mind for caregivers and loved ones. On the other hand, fall detection is more expensive and won’t detect every fall. Another disadvantage of fall detection is that false alarms are not uncommon.
- Safety features: The best medical alert systems for seniors include an amplified two-way talk function on the base station so you can call out for help without physically pressing the medical alert button. Automatic system testing is also becoming a standard feature of all the best medical alert companies. Caregivers should confirm whether a medical alert company offers multilingual support if their loved one has a first language other than English. Some companies let you add a spouse or additional occupant coverage for free or at a discounted rate.
- Additional equipment: Those who live in a house with stairs should consider a customizable medical alert system with the option to add extra wall buttons and range extenders. Medical alert system lockboxes are a popular add-on for many seniors. With a lockbox, emergency personnel can access your home without breaking windows or damaging doorways.
- What medical conditions require a medical alert bracelet?
Medical alert bracelets and pendants are most popular among recently retired seniors and those with newly diagnosed or severe epilepsy, uncontrolled diabetes, Alzheimer’s disease or other forms of dementia. However, medical alert systems are a practical investment for people of various ages and conditions. If you have a history of falling, are at risk of falling, live alone or have a health condition, you could benefit from wearing a medical alert bracelet or watch.
A medical alert system is a practical way for seniors to maintain their independence. For healthy, active seniors, wearing an “elderly” alert device is simply an extra level of protection in the case of a fire, burglary or accident.
- Are medical alert buttons waterproof?
Yes, most medical alert companies manufacture waterproof or water-resistant devices. Because many accidents happen in or around the shower, make sure you choose a waterproof alert button for the elderly so that you can wear it at all times.
How to talk to your loved one
Are you trying to purchase a medical alert system for a loved one but haven’t spoken to them about it? Watch this video for tips on how to approach the topic of senior medical alert devices.
Medical alert system reviews
In-home alert devices for seniors with up 1,600-foot range start around $30/month. On-the-go medical alerts with five-day battery backup life priced around $40/month. Fall detection is optional for an added $10/month.
- Medical alert equipment: Select from all-in-one wearable and in-home systems with fall detection and two-way speakers. The base unit and pendant are included as part of one of the best-rated medical alert system plans with additional equipment available for purchase.
- Monitoring centers: Multiple U.S.-based monitoring centers ensure quick responses to emergencies at any time of day. Landline and cellular connections provided through AT&T.
- Contracts: Medical Guardian offers month-to-month contracts and prorated refunds.
- Account accessibility: Manage your account details, update payment methods and access additional resources through an online portal. Add contact information for caregivers and loved ones if you would like them informed about potential emergencies.
At-home medical alert systems with a 600-foot range start at $19.95/month. Mobile systems with up to two-day backup battery start at $24.95/month. Fall detection available for an additional $10/month.
- Equipment features: Select from wearable medical alarm bracelets, pendants and smartwatches with built-in GPS. Active monitoring services plans include equipment.
- Monitoring centers: U.S.-based monitoring centers are staffed with Spanish-English bilingual operators. Mobile Help partners with Rapid Response and Language Line to support 240 languages. Landline and cellular connection options are available through AT&T.
- No long-term contracts: Month-to-month contracts are available. Mobile Help also offers a 30-day free trial period.
- FDA registered: Quality system is based on FDA Medical Device Good Manufacturing Practice (GMP) Relations.
Medical alerts for seniors starting at $19.95/month with ranges up to 600 feet and backup battery life up to 30 hours. Add fall detection for an extra $10/month.
- Equipment features: Automatic fall detection and water-resistant technology on medical alert pendants and wristwatches allow wearers and their loved ones to have peace of mind in any situation. Simply plug the base unit into a power outlet, then push the button to call for help.
- 24/7 monitoring centers: A U.S.-based operator stays on the phone with you until help arrives. The U.S.-based monitoring centers are endorsed by the Medical Alert Monitoring Association (MAMA).
- No long-term contracts: Medical Alert offers month-to-month medical alert monitoring services.
- Money-back guarantee: New customers have 30 days to decide if a Medical Alert device is right for them.
Medical alerts systems start at $24.95/month with no equipment fees. In-home base station ranges up to 1,300 feet, and the mobile battery life lasts up to 42 hours. Fall detection is optional for an additional for $5/month. Provides free protection for spouses with basic monitoring services.
- Equipment features: Ensure independence and safety for any lifestyle with in-home systems and an on-the-go medical alert necklace for elderly options. Round-the-clock U.S. coverage has provided more than 40 years of reliable service that’s recognized and recommended by doctors and hospitals.
- Monitoring centers: LifeFone provides customer service and monitoring from the company’s center in White Plains, New York. Dedicated, kind and professional operators are available 24/7 to ensure your safety.
- 30-day guarantee: Return your pendant and device equipment within the first 30 days for a full refund.
- Consumer-friendly policies: Equipment is guaranteed for lifetime subscribers, plus spouses are protected for free. Cancel anytime.
Prices start at $19.95/month for in-home medical alert system and mobile systems with GPS. Optional fall detection is available for $7/month.
- Equipment features: Choose between in-home and mobile GPS monitoring to better suit you or your loved one’s lifestyle. Automatic fall detection can also be added to your plan.
- Monitoring centers: Receive service on your terms, and end it when you need to.
- No long-term contract: Have your device shipped directly to your home for free.
- Caregiver tools: If you’re not satisfied with your device, you can return the equipment within 30 days of purchase to receive a refund.
- 30-day money-back guarantee: If you’re not satisfied with your pendant or device, you can return the equipment within 30 days of purchase to receive a refund.
Smartphones for seniors with emergency response buttons start at $149.99 plus monitoring plan and device activation. Service starts at around $20/month. No fall detection is available.
- Equipment features: Receive award-winning health and safety services conveniently on your phone along with wearable buttons, pendants and wristband options for easy-to-access emergency care.
- Monitoring centers: Trained operators are online 24/7 to assist in emergencies in English.
- Brain games: Improve attention and memory with fun and challenging games.
- Caregiver tools: Stay connected with family and loved ones through the GreatCall Link app. The Link app sends regular updates to loved ones about the user’s well-being. Plus, get access to registered nurses and certified doctors for advice and common prescriptions without an appointment.
HomeSafe plans start at $29.95/month and mobile GoSafe plans start at $54.95/month. Service that includes AutoAlert fall detection technology start at $44.95. New clients pay activation fees up to $50.
- Equipment features: The in-home device range is up to 800 feet, and the mobile backup battery life lasts up to 30 hours. Professional installation with equipment training is available for the elderly emergency call system. AutoAlert fall detection and water-resistance technology are included in some plans.
- Monitoring centers: Personal alert services give customers fast, reliable access to North America-based emergency response technicians fluent in English and Spanish. Operators also have access to more than 140 languages through a translation service. The company is staffed with 200 emergency operators who answer up to 18,000 calls per year.
- Fall detection: Systems that include AutoAlert fall detection start at $44.95/month. Auto alert sensors identify falls and instantly alert the emergency response center for immediate help.
- Personal care plan: Remain in control of your life by choosing your emergency contact and in-home or on-the-go system to suit your lifestyle.
Medical alert devices for seniors start at $29.99 plus monthly plan and activation charges. Only cellular service is available.
Medical alert devices for elderly and active seniors work around you so you don’t have to wear it on your person all the time. Monitoring plans start at $24.95/month. Customizable medical alert system packages starting at $99 are sold separately. Fall detection is optional.
- Equipment features: You can summon help during an emergency by pushing a button, pulling a cord or saying “Call 911” into the two-way speaker base unit. Systems have a backup battery life of up to 32 hours.
- Monitoring centers: GetSafe monitoring centers are UL-certified and professionally licensed in all 50 states. Devices use AT&T cellular network to connect to monitoring centers.
- Contracts: The company does not require a contract, but you can opt into a year of monitoring service to get a discount on equipment costs.
- Money-back guarantee: The company’s emergency alert systems for the elderly come with a 30-day money-back guarantee.
Monthly service fees start at $49.95. Equipment prices range from $95 to $198, depending on what options you choose. Fall detection is not available. All equipment comes with a free lifetime warranty.
Medical alert systems for seniors start around $35/month for home units and $45/month for on-the-go protection, plus a one-time $50 equipment charge. Make hands-free calls in emergencies and connect directly with personal care professionals.
- Equipment features: Devices come with automatic fall detection. Backup battery life lasts up to 24 hours. The lightweight, waterproof, automatic fall detection pendant triggers a call for emergency help. The base unit is a cellular device that connects directly with Cox Emergency Monitoring Call Center.
- Homelife Care app: Through the Homelife Care app, you can schedule medication reminders and real-time notifications to loved ones whenever the alert system is triggered.
- Required contracts: No long-term contracts required.
- Availability: Available only in Cox service areas.
Protect your health and independence for $19.95 to $59.95/month. 24/7 emergency operators contact family, friends, neighbors and your local 911 emergency services. Add fall detection for $9.95/month.
Monthly service fees start at $29.99 for home-based units and $39.99 for mobile safety devices. The company charges a one-time $14.99 activation fee.
Medical alert systems start at $27.45/month with no long-term contract. Home, home & yard, and home & GPS systems are available, which lets customers can choose a device that best suits their lifestyle. Fall detection can be added for $10/month.
- Equipment features: In-home medical alert systems have a range of up to 1,000 feet and backup battery life up to 72 hours. Medical Care Alerts can use both landline and cellular connections through the AT&T network. Home Medical Alert includes a base unit and an emergency button with a range of 1,000 feet.
- Monitoring centers: U.S.-based operators stay on the line until help arrives to ensure safety and peace of mind for the whole family. Bilingual operators are available 24/7. Operators are EMT/EMD-certified.
- Money-back guarantee: New customers have 14 days to return their system for a refund.
- Caregiver notifications: Loved ones can receive text message alerts anytime the emergency device is triggered.
Flip-style cell phones start at $99 for device plus activation and monthly monitoring fees. Monthly monitoring fees start at around $20/month.
- Equipment features: Jitterbug Flip has easy-to-read buttons, an extra-large screen, backlit keypad and powerful speaker. The device also comes with a flashlight and magnifier.
- Monitoring centers: Instantly connect to emergency support by pressing a 5Star emergency call button for the elderly. The safety alert button is large and easy to find.
- GreatCall link: Easily stay connected with family and friends with the Link app. The Link app sends updates to friends, family and caregivers about the user’s well-being.
- No waterproof options: Jitterbug Flip devices cannot be used in the shower.
Medical alerts for the elderly start around $20/month. Medical alert base units and help buttons are included with the price of subscriptions.
The company sells a variety of home health and safety products. With mobile, in-home and fall detection options, users can stay connected and safe in a way that suits their lifestyle and needs.
Medical alerts for the elderly start at $19.95/month. Better Alerts combines established medical alert systems with new, wearable technologies.
- Smartwatch: Better Alert partners with Fitbit devices to create a wearable technology that can give caregivers and seniors peace of mind.
- Affordable pricing: With two different pricing tiers, users can choose the number of features they want. GPS location and medical alerts are included in either tier.
- Caregiver tools: While some other elderly alert systems only offer emergency responses, Better Alerts includes features for caregivers to track the user’s daily activity and send out medication reminders. The device also provides fall alert notifications.
- Easy set up: The system sets up in approximately 10 minutes.
Medical alert systems for seniors start at $29.95 with an annual plan. Emergency alert systems include fall detection. Equipment costs are included in the monthly monitoring fee.
- Equipment features: Home alert systems for seniors have a range of up to 1,400 feet. For mobile, on-the-go protection, the pendant alert is equipped with two-way voice communication and fall protection. All devices are waterproof or water-resistant.
- Monitoring centers: U.S.-based monitoring centers are certified and available 24/7.
- Risk-free trial: New customers get a 30-day risk-free trial to decide if the One Call Alert system is the right fit.
- No contracts required: New customers aren’t required to sign a long-term contract, though discounts are available for those who do.
Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use.