Maintain your old Siemens Hipath system

Long Term-Care; 70 Million Americans Will Be Over 65 by 2003

We will all grow old; this is a given. We will all have health issues as we grow older, this also is a given. Many people work their whole lives and if they are smart end up with a paid for house and a little nest egg for retirement. This is a good 15% of the population. Good for us as we have a strong middle-class. But whether you are rich or poor there will come a time when you need long-term care. As a matter of fact statistics show tat 10% of use will need long-term care for 3-5 years.

The problem is that such care costs a good $135.00 per day now, not including any future inflation. So something you should be thinking about is; do you have adequate coverage to protect you life's earnings, home and nest egg in the case you are somewhat incapacitated and need home long-term care? Many financial planners are recommending insurance for this; as a matter of fact currently it is all the rage.

When shopping for such long-term care insurance there are things you need to look for besides your basic costs of premiums and general services. Things such as an inflation rider to protect you; also a non-forfeiture rider should be in the policy. The non-forfeiture rider prevents the insurance company from completely canceling your policy if you miss premiums; instead you will get less services or care, but not loss of all benefits. There are also in some policies provisions for limiting premium increases. Insurers cannot raise an individual's premiums but they are allowed to raise premiums for an entire class or category of folks. You need to make sure this will not happen and look for this in your policy.

Guaranteed Renewability is another provision you need to have; meaning they cannot cancel or refuse to renew your policy as you reach and older age of higher risk.

There are over 100 companies, which offer these types of insurance policies but only about 15 or so are any good. Other companies like some abuses in the Insurance Annuity Business may simply collect lots of premiums and then go out of business in the future, leaving you high and dry after taking your premiums. Please be careful and think about this.

"Lance Winslow" - If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs

In The News:

Mass shootings are a 'national embarrassment' that needs to stop, Joe Biden warns
Sat, 17 Apr 2021 01:21:00 +0100
Joe Biden has described mass shootings as a "national embarrassment" that has to end.

Elon Musk's SpaceX wins $2.9bn NASA contract to send humans to the moon
Fri, 16 Apr 2021 22:22:00 +0100
Elon Musk's private space company SpaceX has won a $2.9bn (£2.1bn) NASA contract to build a spacecraft to put humans on the moon.

World's smallest police dog dies hours after the sheriff she served beside
Fri, 16 Apr 2021 23:34:00 +0100
A sheriff and his tiny police dog have died on the same day.

Two passengers sue airline after plane engine catches fire in mid-air
Sat, 17 Apr 2021 03:12:00 +0100
Two passengers are suing United Airlines after the engine of the plane they were on caught fire in mid-air.

Batches of 50 to 100 Uighur workers are being advertised on the Chinese internet
Thu, 15 Apr 2021 14:32:00 +0100
Uighur people from Xinjiang working in other parts of China are subject to "political" checks and work under strict "half-military" style management, according to new evidence discovered by Sky News.



tikatoshop.it

Erfahrungen mit Pallhuber Wein
Agen Bola SBOBET Terpercaya

Travel in comfort and at your leisure with CT Airlink Limousine & Car Service for top quality private transportation and exceptional customer service. We operate Sedans, SUVs & Vans for CT Car Services to covering all Connecticut airports including Car Service from CT to Newark Airport , Mohegan Casino Uncasville CT, Foxwoods Casino Mashantucket CT, Manhattan Cruise Terminal NYC, Brooklyn Cruise Terminal NYC and Bayonne Cruise Terminal NJ. CT Airlink hire licensed and friendly chauffeurs who have in-depth knowledge of the Areas.

Strategies on Paying for Nursing Home Care and Medicaid

The decision to place your loved one into a nursing... Read More

Alzheimers Care Giving While Maintaining Your Own Health

Just for a moment I want you to imagine that... Read More

Using The Proper Wheelchair Will Make Your Everyday Life Easier

If you have an injury or a health problem that... Read More

Paying For Elder Care Just Got Easier

It's not a surprise that thousands of families across the... Read More

Nursing Home Staffing Levels: How Much Is Enough?

During the week of February 17, 2002, headlines screamed the... Read More

5 Myths You Should Know Before Choosing Elder Care

Myths associated with selecting quality nursing home care suggest quick... Read More

Respiratory Help Is Available For Seniors With COPD

As HMOs Continue to Drop Coverage for Seniors - Now... Read More

Honey, Where Are The Car Keys?

Q: My mother is always losing, hiding and hoarding things,... Read More

The Truth About Christmas

Every year, as Christmas approaches, you hear Christmas carols everywhere.... Read More

Prepare to Make Long-term Care Choices

Several months ago, I was coming out of a gas... Read More

Marketing, Selling, and Serving the Older Adult, Senior Citizens, Family Caregivers

Are your clients pleased by the fine quality service that... Read More

Helping Caregivers Get Comfortable Asking For Help

Becoming a care giver might not have been a conscious... Read More

New Hope for Alzheimers Treatment

There is now widespread agreement among research scientists and medical... Read More

Mom Wont Participate!

Q: Six months ago we placed my mother in an... Read More

Solitary Confinement -- for Life

Sixty-five year old Arthur Jones served a self-imposed life sentence... Read More

If Using The Stairs Has Become A Daily Struggle, A Stair lift Could Change Your Life

Using stairs is an everyday nightmare for many people. As... Read More

Review of the Changing Protein Requirements for Seniors

Youth, it is said, is wasted on the young. Too... Read More

Introducing the Best Available Long Term Care Policy Guarantee

If you're 60 to 70 years old ... or have... Read More

Exercise Walking For Seniors: Preventing Foot Problems

Exercise has a very important role in the general health... Read More

As the Baby Boomers Age

Many employees today are calling in sick - not to... Read More

The Best Investment You Can Make Right Now: Long Term Care Insurance

Don't think you need it? Consider this: a full 50%... Read More

What Most Long Term Care Professionals Don?t Know

Medicare recognizes this need and, therefore reimburses your residents to... Read More

Assisted Living Facilities ? What Are They?

Assisted Living facilities are generally for person's 60 years of... Read More

Stairlifts ? Take the Struggle Out of Climbing the Stairs

Buying a stairlift can have huge benefits for your quality... Read More

The Dryer Ate Your Underwear!

Q: My mom is in the early stages of dementia... Read More