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Elder Care Information |
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Introducing the Best Available Long Term Care Policy Guarantee
If you're 60 to 70 years old ... or have a family member who is ... then what you are about to discover could help prevent the complete erosion of your estate. In fact, it's probably the most important asset you could ever own. Let me explain why. For over 24 years, I have helped hundreds of individuals understand and implement money saving ideas. From the birth of an innocent newborn to the demise of a crafty senior I've witnessed families in every financial situation imaginable. As my clients age (and me along with them), I can tell you without hesitation the biggest fear of growing old is losing your ability to remain independent. Although we are living longer, we are not necessarily living better. Chronic disease is rampant ... and it strikes with a vengeance when you least expect it. How many people who have experienced a stroke knew it was going to happen to them? How many anticipated that particular moment when they began to forget things? The facts speak for themselves. Literally millions of Americans require long term care ... either in nursing homes, day care centers, assisted living facilities or in their own homes. And the cost of providing this care is outrageous with no end in sight. Now, if you think it will never happen to you ... I'm sorry. This article doesn't try to convince anyone about the likelihood of their needing care before they die. It's meant for those who understand and appreciate the need to arm themselves with protection against the horrific expense of long term care. In fact, this article is ideal for those who have already looked at traditional types of long term care policies and are trying to determine which type is best for them. One of the biggest objections to buying a long term care policy is that if the benefit is never needed the premiums paid for the policy will be wasted. This is somewhat like buying automobile insurance. You have to pay the premium in order to get your car repaired. But what if you never have an accident. Is that considered losing your premium? Funny isn't it? People hardly question paying for car insurance, but they frequently resist doing so for a long term care policy. So... what if you could always get your premium back - guaranteed - if you never require any long term care? And, what if you die before receiving long term care? Wouldn't it be great if your loved ones could recover 100% of your premium expense? How about this? You actually use up all of your long term care benefit. And then you die. What if your family could still get back 10 percent of your premium. Now if you know anything about long term care policies you're probably wondering why you haven't heard of this type before. One reason is because it is non-traditional and not included in the mainstream marketing of long term care policies. Another is because it takes a large sum of money to buy the policy. $50,000 is typical and it's a one-time single premium, which means you will never get stuck with a premium increase. It is not uncommon for people between 60 and 70 to have large sums of money stashed away in bank CDs earning low interest. Kind of an emergency fund. Transferring a portion of this fund into the policy makes sense because the money continues to earn interest. Besides, it usually pays more than the bank ... plus, the policy interest is tax deferred. It's also common for people this age to have old life insurance policies with significant cash value. Many times it's possible to transfer the cash into the long term care policy and still retain a meaningful death benefit. And the future long term care benefit could easily be worth over one million dollars. This policy has a 90 day waiting period before benefits are paid. The length of the benefit can be as short as 4 years or as long as your lifetime. You can also get a 5% compound interest inflation protection rider to help keep up with the rising cost of care. The name of this policy is MoneyGuard. It is a universal life insurance policy with a long term care rider. The issuing life insurance company is Lincoln Life, a subsidiary of Lincoln Financial Group. By the way, this policy was initially developed by Penn-Pacific Life many years ago. They have years of experience and an excellent reputation. Lincoln recently bought Penn-Pacific. Ask your life insurance agent to get you more information about this single premium policy. For the right situation it is absolutely the best guarantee in a long term care policy. Don Adams is a 24 year veteran financial consultant who has helped hundreds of individuals solve a variety of problems related to money matters. More information is available at http://personal-finance-on-the-net.com
MORE RESOURCES: Trump’s immigration policy shakes up the elder care sector: ‘Losing these caregivers is a profound blow’ EL PAÍS English Senior Living Director Matt Clinton of Sun Terrace GlobeNewswire The Home Review: Cheap Scare Elder Care Loud And Clear Reviews Older adults and population aging statistics Statistique Canada Smart Money Going in Senior Health: Key Stocks in Elderly Care The Globe and Mail Commentary: The monthly tab for her in-home elder care: $18,000. She can cover it, but how many others can? Los Angeles Times Coercive Care: Southern Europe’s Reliance on Elder Restraints Undark Magazine Nova Scotia Health’s Dignity of Risk Program leading change in caring for older adults living with frailty and dementia Nova Scotia Health Alumni Impact Series: Kevin Ye – Shaping the Future of Elder Care through Entrepreneurship University of Waterloo NTI Invests in Community Facilities for Elder Care Nunavut Tunngavik Inc. When a 91-year-old renter in Toronto is evicted with nowhere else to go, our governments have failed completely Toronto Star Child care & seniors care are social infrastructure Island Social Trends Visionaries Unite: How the West Coast Conference on Aging is Rewriting the Future of Senior Care The Daily Scan CIUSSS du Centre-Ouest de l'Île de Montréal | Long-Term Care Centre CIUSSS West-Central Montreal Mark Yaffe: Pioneering Excellence in Elder and Mental Health Care McGill University ‘What they wanted to see’: Rankin Inlet elder facility to welcome 22 residents in April Nunatsiaq News Canada’s aging crisis and a call for reform in eldercare The Hill Times AI Companions Redefine Elder Care: 3 Ways They Fight Loneliness, Boost Safety And Scale Support Forbes KSU student working to address challenges with elder care Kennesaw State University 'Don't open another bed': St. John’s doctor says there's a better way to keep seniors out of long-term care PNI Atlantic News Ontario Supporting Seniors and Their Caregivers Ontario Newsroom Police: Sonoma senior care worker arrested on suspicion of stealing from residents Sonoma Index-Tribune BPK student research looks to history to find a way forward for Indigenous elder care Simon Fraser University Emotional needs and service process optimization in combined medical and elder care: A TRIZ approach ScienceDirect.com Why So Many Seniors Can’t Afford Long-Term Care Time Magazine Aged care UV light trial reduces infections Australian Ageing Agenda Medicaid cuts in Kentucky will devastate our most vulnerable: nursing homes | Opinion The Courier-Journal Elder care platforms like Samarth, Emoha bullish on growth as silver economy booms The Economic Times Video: How the Immigration Crackdown Threatens Elderly Care The New York Times B.C. government close-lipped on watchdog report that finds seniors care is worsening - Vancouver Sun Your Company Needs an Eldercare Policy Harvard Business Review Stepping towards better health: Early Mobility team wins Nova Scotia Health Quality Award Nova Scotia Health Initiative to address women’s care load in Africa expands with two new projects | IDRC IDRC - International Development Research Centre Bay of Quinte Mohawks donate $60K each to Elder Care Home project, Belleville General Hospital Foundation Kingstonist News Central Govt Staff Can Avail 30 Days Leave for Elderly Care: Union Minister Jitendra Singh in Rajya Sabha The Logical Indian Rescue work continues at site of impact near elder care facility in central Israel The Times of Israel Anglican elder care specialist and advocate named to Order of Canada The Anglican Journal Elder Care beyond Policy sentinelassam.com Half of Kansas nursing home investigator jobs are vacant. Residents die waiting for help. Wichita Eagle AI And Robotics: Shaping The Future Of Elder Care And Assistance Quantum Zeitgeist Evolutionary game analysis of building a sustainable intelligent elderly care service platform Nature Ageing and health World Health Organization (WHO) Geriatrics Sinai Health Nursing home and elder-care residents could be hit hard by potential Medicaid cuts The Washington Post Senior care in China: Living well, aging happily news.cgtn.com Research Groundbreakers: Dr. Roxanne Weiss Is Advancing Elder Care and Delirium Prevention The University of Utah India Is Ageing Fast: Are We Equipped to Care? MorungExpress China turns to robots for elderly care with national pilot programme South China Morning Post WHO calls for urgent transformation of care and support systems for older people World Health Organization (WHO) Digitalization for Improving Elder Care Asian Development Bank Centre updates leave policy: Govt staff can now take time off to care for elderly parents financialexpress.com Why Cameras Are Popping Up in Eldercare Facilities The New York Times |
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