Long Term Care Insurance : Insurance

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Long Term Care Insurance - Things That Guarantee You Get The Best Price And Value

Long Term Care Insurance - Things That Guarantee You Get The Best Price And Value

It's important that you get certain factors straight while you buy long term care insurance. You can get it at a lower price and get inadequate coverage while someone who takes the right precautions buys his/hers at an inexpensive rate as well without reducing the value s/he gets. Here are seve
Reinsuring the Risk - Medicaid Compliant Annuity or Promissory Note

Reinsuring the Risk - Medicaid Compliant Annuity or Promissory Note

Generally speaking, after the Deficit Reduction Act of 2005, if a community spouse uses a Medicaid Compliant Annuity, or promissory note, to eliminate the spend-down amount an institutionalized spouse is immediately eligible for Medicaid benefits. After the purchase, if the community spouse's i
Insurance Company Policies

Insurance Company Policies

Children are our future. Some insurance companies are not into this business just to make money; rather they have taken upon themselves the responsibility of contributing to the welfare of our children. Many a time, ...
Long Term Care Insurance - Understanding the Four Basic Components

Long Term Care Insurance - Understanding the Four Basic Components

You've done your research and have decided that long term care insurance is right for you. The next step is to become familiar with the basic structural components of a long term care insurance policy. This article discusses the four main building blocks of a long term care insurance policy: da
Funding Your Long Term Care

Funding Your Long Term Care

There are two main ways that you can have the cost off your own long term or in home care covered. The first is to self pay. With this method you are covering the entire ...
Explaining Long Term Care Needs and Why They Are Important

Explaining Long Term Care Needs and Why They Are Important

Long term care is something most U.S. citizens over age 65 will need, but many can't afford it. This article explains what long term care is and why people need to prepare for it.
Caring For an Aging Parent

Caring For an Aging Parent

Increased life expectancies have many reconsidering whether the fountain of youth is merely a legend. For many families, longer life spans have allowed them to spend more time with loved ones, time that may not paint the picture imagined.
Long Term Care in Canada - Seven Things You Should Know About It

Long Term Care in Canada - Seven Things You Should Know About It

At senior age, it's very likely that we'll run into a situation when we'll need daily assistance in our living. According to the Underwriters LTC council in Canada, the likelihood of needed long term care reaches 50 percent after the age of 75. This article deals precisely with this i
Getting Long Term Care Benefits Through Policy Exchange

Getting Long Term Care Benefits Through Policy Exchange

The “baby boom” generation of the United States of America is gradually approaching retirement age. In fact, in recent years, the age bracket of between 45 and 54 years within the country has seen a ...
Reasons For Availing Life Insurance Over 50

Reasons For Availing Life Insurance Over 50

As you have reached the age of 50 or above, life insurances are considered as one of the perfect solutions in order to secure your events in the future. There are so many policies available ...
What If You Outlive Your 30-Year Term Life Insurance Policy?

What If You Outlive Your 30-Year Term Life Insurance Policy?

Outliving a 30-year term life insurance policy is a win-win situation. You win because reaching that milestone means that you have lived 30 years since you bought your policy. If you want to extend your policy or buy another type of coverage, you may have a number of options.
Taking a Step to the Unexpected

Taking a Step to the Unexpected

In this world that we are in, nothing is really permanent. Everything comes and goes. These realities are driving factors that lead man to prepare for the unexpected. It is not always easy preparing for the things that are to come, but the rise of insurances has somehow paved the way to it. There ar
Tips On How To Get The Best Long Term Care Insurance Rate

Tips On How To Get The Best Long Term Care Insurance Rate

Before even looking into the rate for insurance, you want to check for the long term care rate, meaning the price that is actually going to be charged for a nursing home, assisted living facility, or in home service.
Long Term Care - It Can Hurt You If You Let It

Long Term Care - It Can Hurt You If You Let It

If you have a net worth of 2 million dollars (excluding your home), you can surely pay for long term care out of your pocket without dire consequences. You don't need long term care insurance. But if you're worth much less, you can easily become a financial ruin if you don't make plan
Long-Term Care Insurance and also the Real Cost of Self-Insuring

Long-Term Care Insurance and also the Real Cost of Self-Insuring

Money professionals notice that Medicare does not cowl long-term care which it is a dangerous idea to gift assets to qualify for Medicaid or MediCal (in California). The Deficit Reduction Act of 2005 tightened loopholes ...
Great Long Term Care

Great Long Term Care

Elderly people have no recourse but to seek the services of a nursing home once the time comes that they can no longer fend for themselves. This is the time when they don't have enough physical stamina to survive the regular demands of everyday life.
I Can’t Afford a Complete Medical Exam – Can I Still Get Life Insurance?

I Can’t Afford a Complete Medical Exam – Can I Still Get Life Insurance?

This is a common dilemma. People know how important life insurance is. They know they need adequate coverage to protect the financial future of their loved ones. They may even know that they potentially have ...
Long-Term Care Insurance - How Much Does Long-Term Care Cost in Your Area?

Long-Term Care Insurance - How Much Does Long-Term Care Cost in Your Area?

Will you be able to afford to stay in your home as long as you want? Will you be able to afford to live in that beautiful new assisted living facility in your community?Find out here.
Isn’t Life Insurance Without a Medical Exam Shockingly Expensive?

Isn’t Life Insurance Without a Medical Exam Shockingly Expensive?

Some people don't even realize that it may be possible for them to get life insurance without the need for a medical examination. Other people have heard that this type of policy exists but think ...
Are You Updated With Long Term Care Rates?

Are You Updated With Long Term Care Rates?

Few people realize that they are getting older by the second. Time passes and it goes too fast and yet people still realize nothing about it. Along with the neglect of time, there are many other valuable matters that we nonchalantly ignore. Number one is health and this has been affected by time thr