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Benefit of Long Term Care Insurance: Don’t Burden Your Family
He is a 61 year old successful doctor and his 49 year old wife managed the practice. They are a good team. But they were aware of the age difference and the likelihood that he would be needing expensive long term care in the next 20 years or so. What if he burned...
3 Long Term Care Avoidable Horror Stories
3 Long Term Care Horror Stories (and how to avoid them happening to you!) Horror Story #1 There's an elderly woman who lives in our townhouse complex, and it's clear she has some form of dementia. She rents her unit, and she really let it go during the past few years....
Benefit of Long Term Care Insurance: Will this kind of thing work?
The Benefit of Long Term Care Insurance: Will this kind of thing work? Bruce and Beth were living a healthy normal life together until they weren’t. Read about their journey and how their wise decision to buy long term care insurance paid off. Bruce’s Story Bruce had...
What is Medicaid Estate Recovery and how does it work?
Medicaid Estate Recovery & How it works I’m here from the government and I’m here to help you! 😊 When the government gives you something, they will find a way to take it back. Under Medicaid (Medi-Cal) rules if a person uses the government system to pay...
Emotions that come with Long-Term Care Needs
Long-Term Care Needs & Emotions: A Matter of Perspective From the perspective of the adult children: Long-term care needs can be for a variety of reasons when a person can no longer care for themselves and must rely on others for their daily needs, Most often the...
Four Basic Long-Term Care Insurance Contracts to Consider
Four Long-Term Care Insurance Contracts to Consider When the commitment has been made to secure your vintage years lifestyle with insurance coverage, there are four basic contracts to consider: Stand Along/Traditional policies Hybrid/Asset Based contracts Life...
Long-Term Care Costs Top Concern of American Workers
Survey shows Long-Term Care Costs Concerns If you are concerned about your future, you are not alone. Long-term care tops the list of retirement concerns of American workers. Retirement fears include outliving their savings and investments (42%), declining health that...
At Home Care Costs
At Home Care Costs & How To Pay For Them At Home Care takes many forms. It may include Companion Care Services, Personal Care Assistance, and/or Home Health Care. Depending on the need, the services can be paid for with Long Term Care Insurance, Medicare, Medicaid...
Big Hike in Medicare Premiums Recently Announced
Big Hike in Medicare Premiums Recently Announced Headline on November 13: “US announces big hike in Medicare premiums,” by Maggie Fox and Tami Luhby, CNN Quote: “The federal government announced a large hike in Medicare premiums Friday night, blaming the pandemic but...