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http://www.bestlongtermcareinsurancearticles.com Root Category articles from bestlongtermcareinsurancearticles.com Rss Follow Up Mon, 08 Feb 2010 18:18:53 -0700 Aging baby boomers are greatly influencing the delivery of health and long-term care services in this country. By 2030, seniors will comprise 20 percent of the population -- doubling from 35 to 70 million people. With advances in medicine and lifestyle changes, Americans are living longer. As boomers age and face chronic illness and disability, they are demanding increased and more innovative long-term care choices. Those over 65 face a 40 percent risk of entering a nursing home for long-term http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-and-Baby-Boomers/3417 Sat, 02 Jan 2010 00:00:00 -0700 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-and-Baby-Boomers/3417 There is a perfect storm brewing in long-term care. Most of those at risk are either oblivious to it, in denial that it will not happen to them or procrastinating thinking they have lots of time to act. The truth of the matter is taking responsibility for your long-term care sooner than later will give you options that you may not have later on. Your options will disappear as you get older and with that you won't be as healthy. http://www.bestlongtermcareinsurancearticles.com/Article/The-Reality--Long-Term-Care-Insurance-is-Necessary/2465 Sun, 06 Dec 2009 00:00:00 -0700 http://www.bestlongtermcareinsurancearticles.com/Article/The-Reality--Long-Term-Care-Insurance-is-Necessary/2465 The "sandwich generation" is confronted today with the dilemma that millions of other Americans already face: how to take care of loved ones who cannot do so for themselves. The options on how to provide long-term care come as a shock to most people who find themselves in this situation. Medicare pays only for temporary nursing home stays, and regular health insurance policies don't cover long-term care. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Hardly-a-Mention-in-the-Health-Care-Debate/1424 Tue, 10 Nov 2009 00:00:00 -0700 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Hardly-a-Mention-in-the-Health-Care-Debate/1424 Baby Boomers are living longer and healthier lives than any generation in history, but in advanced years, the majority will require some type of long-term care. After 2021, when the oldest Boomers hit 75, nursing home populations are expected to grow dramatically. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-To-Buy-Or-Not-to-Buy/1080 Tue, 27 Oct 2009 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-To-Buy-Or-Not-to-Buy/1080 It is helpful to look at how long-term care affects you and your family.You need to match your needs to the options available to you. Ask yourself how much you are able/willing to spend on long-term care. Do you have any family members that are in a position to take me into their home (or move into my home) for an extended period? It is important to ask yourself exactly what your needs are, or what they could become when you first begin to do your long-term care planning. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-and-Facing-the-Importance-of-Long-Term-Care-Planning/1079 Tue, 27 Oct 2009 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-and-Facing-the-Importance-of-Long-Term-Care-Planning/1079 All adults enjoy the independence that comes with growing old but once you reach the age that you have to become dependent on care and assistance, long term care insurance should be considered. However, long term care insurance isnt for everyone, if you are wealthy enough to afford assisted living expenses out-of-pocket or if you are poor enough to qualify for Medicaid, then long term care insurance might be not be for you. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-When-Does-it-Make-Sense-/525 Wed, 19 Aug 2009 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-When-Does-it-Make-Sense-/525 One of the more difficult retirement planning decisions are whether or not to buy long-term care insurance and, if so, at what age to purchase it. Long-term care planning is usually the one that is most overlooked. Most people do not picture themselves as old and needing care with daily activities, so long-term care planning is put on the back burner. In comparison, life insurance is usually purchased (at a young age), just in case of death in order to protect their families. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-When-is-the-Best-Time-to-Plan-and-Purchase-Long-Term-Care-Insurance/519 Fri, 31 Jul 2009 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-When-is-the-Best-Time-to-Plan-and-Purchase-Long-Term-Care-Insurance/519 Long-Term Care insurance can be a complicated and possibly expensive product if not designed with the clients needs, lifestyle and budget in mind. It is not for everyone. If you have few assets, you may be eligible for a Medicaid Nursing Facility when you are unable to care for yourself. The problem is most people would like to remain in their own homes as long as possible. Long-Term care insurance is appealing because it pays you in a variety of settings. The first choice is to remain at home w http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Deserves-Your-Attention/513 Mon, 29 Jun 2009 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Deserves-Your-Attention/513 For such a vital topic, consumer credit is one that only a few people have more than a basic knowledge. As a consequence of this lack of knowledge, people have put themselves in a position to join the millions who are playing victim to the credit system. http://www.bestlongtermcareinsurancearticles.com/Article/Learn-the-Facts-About-Credit-or-Risk-Getting-Taken-Advantage-of/512 Mon, 08 Jun 2009 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Learn-the-Facts-About-Credit-or-Risk-Getting-Taken-Advantage-of/512 Long-Term care planning and insurance is something that many individuals think about and know that it is something that they must do as part of good financial planning. The scenario goes like this. Usually, the individual or couple begins doing some research on what is long-term care and what does long-term care insurance do to benefit them. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-and-The-Procrastination-Game/509 Tue, 19 May 2009 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-and-The-Procrastination-Game/509 Long-Term Care insurance is not just for the elderly or nursing home insurance. Thirty years ago things were different and long-term care insurance was purchased as nursing home insurance. Today, more benefits are paid to clients who are still living and functioning in their own homes. A recent study by the American association for Long-Term Care insurance shows that more than 180,000 people received claim benefits last year from their LTC insurance policies. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Time-to-take-a-Closer-Look/505 Tue, 05 May 2009 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Time-to-take-a-Closer-Look/505 This question is personal and it is different for everyone. Why? Because we all live different lifestyles and have different expectations of how we want our retirement to be. Just as people drive different cars and live in different houses, long term care insurance can fit it with just about everyones budget. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-How-Much-Coverage-Do-You-Need-/210 Mon, 20 Apr 2009 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-How-Much-Coverage-Do-You-Need-/210 To put it bluntly, it's inevitable that someone will need some type of long-term care. Given the potentially devastating costs of a nursing home, home care and assisted living, long-term care insurance may be the most practical answer to the problem of someday needing help with the activities of daily living. No one wants to take the chance that all the savings may go to one or both spouses. If the savings goes to the first spouse who needs care, what happens to the spouse that is left? Welfare? http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Is-It-the-Right-Choice-for-You-/61 Thu, 12 Feb 2009 00:00:00 -0700 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Is-It-the-Right-Choice-for-You-/61 With the collapse of the stock market, the once healthy nest eggs have left baby boomers and many retirees unable to pay for long-term care costs. It may take years to recoup the losses to their stock portfolio. The average cost for a years stay in a nursing home is $77,000.00. Older investors may now be short of funds for costly long-term medical care if their health fails. This is a good time to take a first or second look at long-term care insurance. When looking into long-term care insura http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Helps--to-Supplement-Retirement-Savings/48 Sat, 06 Dec 2008 00:00:00 -0700 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Helps--to-Supplement-Retirement-Savings/48 Choosing the right long-term care insurance may be the most important retirement planning you do. You hope as with all the other types of insurance you purchase you will never need to use it. The difference with long-term care insurance is that there is a much greater chance of using it than your homeowners, auto or even a catastrophic health event. Statistics indicate that more than half of 65-year-olds today will need long-term care at some point in their lives. So, if you purchase a long-term http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-The-Best-Way-to-Ensure-Your-Long-Term-Care/47 Wed, 19 Nov 2008 00:00:00 -0700 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-The-Best-Way-to-Ensure-Your-Long-Term-Care/47 The uncertain economic times recently has caused some roadblocks to financial security. There are many challenges that 77 million Baby Boomers are facing as they plan for retirement. Rising healthcare and Long-Term care costs make it critical to include Long-Term Care insurance in the long-term financial plan. An important factor in long-term care planning is your family structure. The family structure affects a persons outlook, aspirations and retirement plans. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-How-Does-Your-Family-Structure-Affect-the-LTC-Decision-/46 Thu, 13 Nov 2008 00:00:00 -0700 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-How-Does-Your-Family-Structure-Affect-the-LTC-Decision-/46 Long-Term Care insurance is a necessary part of Long-Term Care Awareness Month created by Congress when the resolution was passed. Why was this passed by Congress? The government recognizes that millions of individuals tap into hard-earned savings to pay for their long-term care unless they have a plan in advance for handling these large expenses. Advance planning for this expense will help protect caregivers health, financial security and quality of life. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Congress-Declares-November-Long-Term-Care-Awareness-Month/45 Tue, 11 Nov 2008 00:00:00 -0700 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Congress-Declares-November-Long-Term-Care-Awareness-Month/45 For most people, the comfort of home is an unparalleled feeling. So its understandable why many people choose to stay in their own homes as long as possible, even when facing the challenges associated with aging. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Can-Help-You-Stay-in-the-Comfort-of-Your-Own-Home/44 Wed, 22 Oct 2008 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Can-Help-You-Stay-in-the-Comfort-of-Your-Own-Home/44 Long-term Care Insurance can be an effective tool for protecting your assets and estate from the high costs of senior care. Though the average nursing home length of stay is significantly higher than most people believe, 2.4 years according to a report conducted by the National Center for Health Statistics, less than 20% of long-term care is nursing home care. Home care, home health care, adult day care, assisted living facility care and others constitute the overwhelming majority of senior care http://www.bestlongtermcareinsurancearticles.com/Article/Long-term-Care-Insurance-A-Simple-Explanation/43 Mon, 20 Oct 2008 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-term-Care-Insurance-A-Simple-Explanation/43 At the time of a long-term care crisis, families are not necessarily drawn together with a positive impact. More often than not they are torn apart. At the time of crisis, decisions are made hastily, just to get through the moment. Lets look at what can happen to a young family when a long term care event occurs. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-The-Positive-Impact-it-has-on-Your-Family/41 Thu, 09 Oct 2008 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-The-Positive-Impact-it-has-on-Your-Family/41 Long-term care financing and planning takes some thought and education to put together a policy that is best for you and your financial situation. It is easy to get confused and become paralyzed into "inaction." Here are some key points of what to do or not do. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Keypoints-in-What-to-Do---What-to-Avoid/40 Thu, 02 Oct 2008 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Keypoints-in-What-to-Do---What-to-Avoid/40 Long-Term Care insurance is not for everyone. Everyone seems to have their own reasons why they have not purchased this type of insurance. There are the obvious reasons based on sound financial decisions and other reasons based on feelings or emotions that are not very sound or reasonable. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care--Is-it-reasonable-to-be-in-Denial-/39 Wed, 24 Sep 2008 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care--Is-it-reasonable-to-be-in-Denial-/39 I cannot tell you how often I get a call from a distraught husband, wife, life partner , children or nieces or nephews of people they love. The call usually goes something like this. My wife has been having trouble managing the household chores, shopping, etc. and just staying organized. My husband just came back from the Doctors office and was diagnosed with early stages of Alzheimers. I think my mother is ready for a nursing home, she just cant stay alone anymore. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance--Where-is-it-When-You-Need-it-/38 Wed, 17 Sep 2008 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance--Where-is-it-When-You-Need-it-/38 There are many thoughts that go through the heads of people as they are approaching retirement or even when they begin planning for retirement well before retirement age. Besides, what is the actual age of retirement today? As inflation increases and living expenses are increasing, more and more people are just plain forced to work longer. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance--Learn-About-Your-Options/36 Fri, 05 Sep 2008 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance--Learn-About-Your-Options/36 Reverse mortgages have been battered in the media recently, but reverse mortgages are often the perfect solution for cash-strapped seniors. The dollars that come in from reverse mortgages can be the difference between paying basic bills such as food and utilities, and even certain medical expenses or not. http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Can-A-Reverse-Mortgage-Be-Right-for-You-/34 Fri, 29 Aug 2008 00:00:00 -0600 http://www.bestlongtermcareinsurancearticles.com/Article/Long-Term-Care-Insurance-Can-A-Reverse-Mortgage-Be-Right-for-You-/34