Why insurers deny long-term care benefits

Posted June 16, 2017

Planning for retirement requires more than sound investment strategies. Retirement accounts must be augmented by Medicare, life insurance, and long-term care insurance. The latter item can sometimes present difficulties due to the rising cost of nursing homes, assisted living facilities, and in-home care. Expenses incurred by long term care requirements have made many insurers reluctant […]

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Survey shows it’s time to start taking long-term care costs seriously

Posted June 2, 2017

Baby boomers will continue their mass-exit from the workforce over the next decade. Many people entering their golden years will leave employers facing record job vacancies and the need for long-term care services will explode. A recent survey found that many Americans harbor concerns and misconceptions about long-term care costs. The survey, conducted by the Associated […]

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Is long-term care part of your long-term financial plan? – II

Posted April 5, 2017

Last time, our blog discussed that many people are ambivalent about the prospect of long-term care. Specifically, the recent recession and the belief they’ll be healthy forever makes it less of a priority. We also discussed how this might prove to be a mistake. The U.S. Department of Health and Human Services has found that […]

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Is long-term care part of your long-term financial plan?

Posted April 3, 2017

The U.S. labor market has been showing sustained job growth and higher wages. Of course, this means increased consumer confidence. While this is good news, it hasn’t resulted in much spending beyond basic living expenses. Many consumers are wary of incurring additional costs having just weathered the recent recession. Moreover, some might discount dedicating any […]

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Why now might be the perfect time for an insurance audit

Posted February 27, 2017

From now up until April 18 — otherwise known as Tax Day 2017 — most people will be gathering documents to take to their accountants or sitting down at home computers to complete their taxes via user-friendly software. Given this stressful reality, the very last word that anyone — from the novice taxpayer to the […]

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Why are women paying more for long-term care insurance?

Posted February 7, 2017

Whether they realize it or not, most married couples engage in little contests on a regular basis from who can complete the daily crossword faster to who can make the better dinner party appetizer. Indeed, more health-conscious couples may wage an ongoing contest as to who can run a faster mile or even boast better […]

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Do filial responsibility laws make you responsible for a parent’s final long-term care bill? – II

Posted January 18, 2017

Yesterday, we discussed how many adult children with an elderly parent receiving some form of long-term care naturally assume that any balance for these services following their death will either pass with them or be covered by insurance in one form or another.   To that end, we also started discussing filial responsibility laws, which […]

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Do filial responsibility laws make you responsible for a parent’s final long-term care bill?

Posted January 17, 2017

As difficult as it can be face the reality that an elderly parent is no longer able to thrive on their own and that long-term care may become a necessity sooner than later, adult children in this situation can nevertheless draw some comfort from the fact that the quality of nursing home and assisted living […]

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What are the pros and cons to Long Term Care insurance?

Posted January 14, 2017

Long term care insurance is used by older folks, generally those 65 or older, who are uncertain about their financial future and want to make certain that if they find themselves with a health scare later in life, that their finances will not suffer. This has become a renewed and more important factor considering the […]

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Paying for long-term care

Posted January 6, 2017

Many of us are living longer, healthier lives than our ancestors did, but with these longer lives come new challenges. Many Americans must receive long-term care as their physical and mental health declines. The good news is that there are many options available for long-term care of adults, and many of them are very good. […]

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