Long Term Care Insurance Articles

1). Elder Care Services - Determining Your Level of Care By : M. Sanders
The condition of the person seeking nursing care is the key factor in your choice of a long-term care facility. All skilled/intermediate care nursing facilities provide personal care and residential services including rooms, meals, planned activities and programming to meet social and spiritual needs. The levels of nursing and therapy services offered vary quite widely, and these should be carefully matched to the individual’s needs.
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2). Long-Term Care - The Ignored Need By : M. Sanders
Most Americans fear they'll need long-term care at some point after retirement, but only a small percentage are are doing anything about it, according to a survey conducted for the John Hancock Life Insurance Co.* It states that 85 percent of respondents worry about needing long-term care at some time in their future, an increase from 80 percent a decade ago.
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3). Making the Nursing Home Choice By : M. Sanders
While placing a loved one in a nursing home is a difficult decision, there may come a time when it is the right one. It will help if you do your homework and trust your instincts. According to the Department of Health and Human Services, the nation’s nursing homes provide care to over 1.5 million people. Over 90% of these residents are over age 65.
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4). Medication and Older Adults By : M. Sanders
You are a partner in your health care. This is a partnership between you, your doctor, and your pharmacist. You need to be assertive and knowledgeable about the medications you take. The Food and Drug Administration is also working to make drugs safer for older adults, who consume a large share of the nation's medications. Adults over age 65 buy 30 percent of all prescription drugs and 40 percent of all over-the-counter drugs.
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5). IRS Issues Long-Term Care Insurance Premium Deductibility Limits for 2006 By : M. Sanders
Nov. 8, 2005- The Internal Revenue Service has announced the 2006 limitations on the deductibility of long-term care insurance premiums from taxes. Premiums for "qualified" (see explanation below) long-term care policies are treated as an unreimbursed medical expense. These premiums what the policyholder pays the insurance company to keep the policy in force -- are deductible to the extent that they, along with other unreimbursed medical expenses (including "Medigap" insurance premiums), exceed 7.
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6). Long Term Care - The Who, The What and The How By : Drew
While life is populated by choices, one certainty that faces the majority of adults is that they can control their future options only by planning ahead. Financial planners recommend diversifying interests to insure profit. Real estate planners bank on the idea that real estate matures over time and is a solid investment. Life insurance promises a financial cushion for bereaved family members so they won’t have to worry about things such as house payments or accrued debt.
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7). Long Term Care Insurance, Should I Get This? By : Nocita Carter
Provides informaton on long term care insurance and how the new Deficit Reduction Act of 2005 will affect you in reference to prospective nursing home care.
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8). Insurance Made Easy: A Guide For The Consumer By : Cori Fox
For most of us, insurance coverage represents a love-hate relationship. We hate paying for the premiums, but love having the right kind of coverage when it is needed. We realize that is important to have insurance coverage, but just the thought of contacting different insurance agents, or researching different insurance plans, can not only be a scary experience, but incredibly overwhelming.
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9). Long Term Care Insurance (LTCi): Face to face for the best policy By : Gary Stuart
Many ask, but few are serious "Oh, well, I really didn't want an agent to come out here," says the voice on the phone. "I thought you would just send me some stuff in the mail." That is a typical response from people who have sent LTCi response cards to our company. However, there is a real, common sense reason for sitting down with an agent to talk about LTCi especially if you can find one who is actually a CLTC (Certified Long Term Care).
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10). What Senior Citizens Need To Know About Private Long Term Care Insurance By : M. Sanders
Long term care is a major concern of American senior citizens and their families. Studies have shown that Americans rank long term care second, behind saving for retirement, when prioritizing financial needs. Unfortunately, many Americans do not want to think about needing long term care and, therefore, fail to plan for it. Others wrongly assume that Medicare or standard health insurance policies will cover the costs of long term care services.
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11). The Insurance Agent’s Guide To Success By : MostChoice
The successful insurance agent always stays informed on how he or she can improve themselves both personally and professionally. In these days of fast paced lifestyles and the quickly disappearing face-to-face communication styles of doing business, the professional has to adapt. First, your personal good health is an important component to the success of your business.
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12). Long Term Care Insurance (LTCi): Features of a good policy By : Gary Stuart
Don't let your LTCi be a disappointment "I have $100 a day for life," Gloria, one of my clients, complained. "Why do they only give Carolyn $25.00 a day?" Gloria owns several policies with my company. However, her LTCi, which she is currently using, is with a different company. Carolyn, her home health aid, receives limited pay because Gloria's policy includes only 50% home care.
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13). Long Term Care Insurance (LTCi): Riders or Not By : Gary Stuart
The last thing you need from an insurance company is a packet of confusing brochures and tables. The best companies know that sending you more “stuff” will just add to your trash can without helping you figure out the intricacies of LTCi. It isn't as difficult as it seems, but understanding a company's language and procedures is crucial to getting the policy that fits your needs.
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14). Finding the Money for LTCi By : Gary Stuart
When a client tells me that Long Term Care insurance is "expensive," my response is invariably, "compared to what?" The insurance on our two cars plus a van we use only on vacation is $1200 per year–and we only have liability. If we had a wreck, it would pay for the other guy's car. We would get nothing! Our homeowners insurance is about $700, and it was the least expensive company we could find.
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15). Long Term Care Insurance By : Robert Lawrence
What is Long Term Care Insurance? Long term care insurance serves to help those individuals who need extra care and attention as they age. Long term care insurance helps to take financial burden away from family members, and for the individual in need of such care. Often, the elderly have very little income and no “extra” money. Yet, the cost of aging itself seems to be rising.
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16). Long Term Care Insurance: Security for Americans By : Gary Stuart
Health Care Crisis in America A health care crisis is looming on the horizon for many Americans, one that could bring financial and emotional devastation that would make zooming gas prices and bouncing stock markets pale in comparison. The problem? According to Metlife, 70% of people over the age of 65 will need some form of extended care before they die, whether it's a visiting nurse in the home or full-time nursing home care.
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17). About Long Term Care Insurance By : Tristan Andrews
Many people have the hope of staying in their homes for a lifetime, especially as they grow old. It is usually possible, but there are certain periods in life when people may need a little more help - mainly when it comes to shopping for food, cooking, or even taking a bath - and these periods tend to fall between the eighties and nineties.
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18). Americans Shocked to Learn that Medicare Does Not Pay for All Healthcare Expenses By : Pamela Dombrowski-Wilson
Many Americans believe that the government pays for all health expenses once they participate in Medicare. Not true. Medicare does not pay for the most significant of healthcare expenses, long term care. Learn what Medicare does and does not pay for so you can plan for your healthcare future.
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19). Avoid Nursing Homes by Planning Ahead By : Pamela Dombrowski-Wilson
According to a survey by John Hancock, persons would rather die or go bankrupt that live in a nursing home. Learn about planning ahead so that you or your family members do not end up without choices at end of life.
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20). Are You Healthy and Young -- Now is the Time to Consider Long Term Care Insurance By : Pamela Dombrowski-Wilson
Take advantage preferred rates for long term care insurance when you are young and healthy. This will result in significant savings over time and allow you to consider helping your parents make the decision to purchase insurance for themselves.
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21). Why You Need Long Term Health Care Insurance By : Ron Subs
One way to save money for the long term care insurance package is by getting a higher exclusion period. There are exclusion periods of 30, 60 and 90 days.
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