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Elder Care Information |
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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
MORE RESOURCES: The practicalities of the new Aged Care Act Law Society Journal Sunbound Recognized as Senior Living Finance Software of the Year from Elder Care Review PR Newswire Ontario Supporting Seniors and Their Caregivers Government of Ontario News Cree family worries about 97-year-old elder, needing long-term care far from home and culture CBC.ca Tallahassee agencies preparing for possible federal cutbacks as President Trump's funding freeze on hold WTXL ABC 27 Tallahassee News Anglican elder care specialist and advocate named to Order of Canada Anglican Journal Canada’s aging crisis and a call for reform in eldercare The Hill Times Senior and Older Adult Resources City of Hamilton CUPE endorses report on B.C. long-term care, urges other provinces to take note Canadian Union of Public Employees Opinion | The Decline in Geriatric Care Hurts Us All The New York Times Kings Home Care Announce Launch of Compassionate Home Care Services in New Jersey - The Manila Times Bay of Quinte Mohawks donate $60K each to Elder Care Home project, Belleville General Hospital Foundation Kingstonist Opinion | The Challenges of Health Care for the Elderly The New York Times When Elder Care Is All in the Stepfamily The New York Times Abuse of older people World Health Organization 'Failure of government': Nunavut elder care needs to be brought home, federal minister says - CBC.ca How companies can ease the strain on employees taking care of elderly parents or ill family members CNN Long-term care home moves forward in Surrey Fraser Health Authority Who Cares for the People Who Once Cared for Us? The Silent Crisis of Elderly Care The Dubrovnik Times Bonjour Résidences at the SMASH Conference in Las Vegas: Technological Innovations for Senior Care Bonjour Résidences Ageing and health World Health Organization Norbert Health and Lumina Care Announce Strategic Partnership to Transform Elder Care through AI Technology Business Wire More New Long-Term Care Rooms Open in Mahone Bay Government of Nova Scotia Free Flu Shot and New COVID-19 Vaccines Now Available Across Ontario Government of Ontario News When Families Fight Over a Relative With Dementia, It’s Time to Call in the Mediator The New York Times Dealing with our Dickensian long-term care system Berkshire Eagle Modern Care for a Modern World Provider Assisted Living Technology Panasonic Canada Rustad unveils plans for seniors’ care Prince George Daily News Nursing homes face soaring costs without healthcare carveout for new tariffs McKnight's Long-Term Care News Sunnybrook Leads the Way: First Canadian Hospital to Achieve Age-Friendly Health System Status Sunnybrook Hospital Carolyn Hax chat: How do I tell my aunt not to count on me for elder care? The Washington Post Officials strive for quality elder care China Daily Can Harris’s proposed ‘at-home Medicare’ end the dreaded ‘spend down’ of senior assets? The Guardian Wisconsin will need almost 10K more elder care workers to keep up with aging baby boomers Wisconsin Public Radio News B.C. judge orders $1.2 million home returned to victim in shocking case of elder abuse Vancouver Sun Seniors Housing Operating Performance Cushman & Wakefield Nurse pay rise starting soon Australian Ageing Agenda ‘A Jolt’: Inside the Operational Disruption at Nursing Homes from CMS’ Communication Freeze Skilled Nursing News Quebec is ‘one minute to midnight before a collapse of the elder-care system,’ provider says Montreal Gazette MLA presses government on status of elder-care home work Nunatsiaq News Elder Care Graduates in Hot Demand in China Sixth Tone Evolutionary game analysis of building a sustainable intelligent elderly care service platform Nature.com Seniors Helping Seniors® In-Home Care Services Expands to South Carolina’s Pee Dee Region 1851 Franchise CT long-term care insurance prices are skyrocketing. Here’s what to know. - The Connecticut Mirror CT long-term care insurance prices are skyrocketing. Here’s what to know. The Connecticut Mirror Ontario Building New Hospital in Moosonee Government of Ontario News Georgia State University, A.G. Rhodes Launch Innovative Elder Care Partnership Georgia State University News Automation Solutions for an Aging Society: The Future of Elder Care A3 Association for Advancing Automation Increasing Women's Workforce Participation in Mexico requires support for Child and Elder Care World Bank Wes Johnson Family Launches GoFundMe After Beloved Elder Scrolls Actor Found "Barely Alive" TheGamer Opportunities and challenges of integrating artificial intelligence in China's elderly care services Nature.com WHO calls for urgent transformation of care and support systems for older people World Health Organization Elder Care Assistive Robots Market Size, Share Report, 2030 Grand View Research When Caring for Your Parents Comes at a Cost to Your Career The Wall Street Journal Ensuring Families Have the Resources To Care for Older Adults Center For American Progress Will Pennsylvania’s Seniors Lose Care? LeadingAge PA Sounds the Alarm on Shapiro’s Budget Gaps MyChesCo Department of Aging Governor Tom Wolf Award-winning care at home Bellarine Times Harris proposes expanding Medicare to cover in-home senior care The Associated Press |
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