LongTerm Care

Should You Consider Buying Long Term Care Insurance or Not?

Should you be concerned with the possibility of needing future nursing care?

We have good news. Insurance companies keep detailed records. Those records demonstrate that we are living longer now. However, this longer life seems to mean that we have an increased chance of needing osme type of care in the future.

This care could come from a nursing home, assisted living facility, or even home health care. It may be provided by professionals, nurses aids, or family members. But either way, there will be some costs involved in it.

How can we plan for nursing care expenses?

Well, just doing nothing and hoping that nursing care will not be a problem for us is probably not the best idea.

Many of us just believe that, somehow, our government benefits will absorb the cost.As you probably know, the US health plan for seniors and disabled peope is called Medicare. It does not pay for long term care, but only provides for short term needs. If we have to sell off all our assets and have a very low income, we may qualify for Medicaid services. This may be the only solution for some people, but is probably not how you would like to lose a lifetime of savings. There may be a fallback plan from the government, but it will come with a price.

Nursing homes can cost ,000 to ,000 a month. Even a part time home health aid will cost a couple of thousand. And if a family member takes care of you, they will still have expenses or lost income to make up for. Any way you think about it, there will be expenses. And most of us would see our savings evaporate fairly quickly if we had to pay for it out of our checking account!

Have you considered LTCi (Long Term Care Inurance)?

So many people consider LTCi (long term care insurance) to cover future care expenses. Some qualified plans can even be deducted from our taxes now. You have to be wary. The plans come in lots of different flavors, and the cover different things. It can be hard to compare. You want to be able to purchase a flexible plan that will help you when you are older, but that will come with a price tag that fits into your budget now. You will not benefit from any policy if you drop it because it costs way too much.

Have you considered alternatives to LTCi?

Some annuities have a clause that covers nursing care. This may be a good way to save for the future. You will also be contributing to your nursing home account, but if you never need to use it, the rest of the money can go to you or to beneficiaries.

You can also find life insurance policies with nursing care riders. If the money is needed, it is taken from the policy value. If not, it still goes the the beneficiaries as a cash benefit.

Do you need to purchase long term care insurance?

This is an individual decision. If your income and assets are very low, you may just choose to rely on government programs. If you have an estate to protect, you may want to make sure you have some plans in place.

Have you thought about planning for long term care in the future?

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Long Term Care in Minnesota

The aging population and the increasing demand long term care are two devastating concerns for the lawmakers of the state of Minnesota and across the United States. The baby boomer generation   will hit retirement years and residents aged 85 and above will most likely need long term care services, and the percentage of those needing LTC is projected to double by 2030. Minnesota is the nation’s second highest expectancy rate than any other state. It ranks second only to Hawaii and one of the country’s highest population of elders aged 85 and above. Nevertheless, it implies a greater demand for long term care and more government funding.

Currently, nursing home and home and community-based services take almost 16.4 percent or .3 billion of the overall Minnesota expenditure and 31 percent of state-sponsored health budgets worth .5 billion.

Aside from getting the pride of the nation’s healthiest people, Minnesota is leader in long term care innovations.  In 2000, a legislative session was conducted for the state government to hear the public protest on long term care. Both consumers and insurance providers appealed on the state government about the shortages of help, declining occupancy rate in nursing homes, and insufficient funds for home care.

The legislative session aimed to strengthen home and community-based services and reduce the dependence on more expensive nursing homes. Officials screened patients and determined what should have been changed in the policies: increased funding for Elderly Waiver and Alternative Care Services, tax credits to policyholders, nursing home incentives to shorten the patients’ stay, higher compensation for home workers with inflation protection.

Otherwise, most of the pending reforms were ripped out by Gov. Tim Pawlenty’s budget cut in 2003. The proposed funding for home care was not achieved and 1,200 adults were forced out of the Alternative care program due to stricter budget cut-offs.

The budgetary cuts worsened the system. The governor increased the surcharges of nursing homes between 0 and ,815 a year. The surcharges went up to .5 million, but seniors did not benefit from it. The governor placed the money in the General Fund to cover the state’s %4.5 billion deficit. The governor’s decision has left grave problems in the state, wherein the costs and qualify of nursing home care were affected and strained families and nursing home workers. There was also labor shortage because the wages for nursing home workers were low.

However, the Minnesota lawmakers distinguished the solutions that must have been developed in the first place. The state recognized the importance of families in providing care to elders and disabled.  The state also came up with much stronger and efficient financial support to its residents. Through this, the Minnesota Long Term Care Partnership Program was established.

Under the partnership policies, Minnesotans will be able to protect their assets even though Medicaid requires a maximum asset limit. This help people take control of their finances without the financial pressures.  As everyone knows, a consumer must reduce his or her personal assets first to be eligible for the Medical Assistance., but with partnership policies a consumer does not need to lose his or her assets because of the asset disregards feature.

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Montana Long Term Care Partnership Program

The population of Montana is aging faster than the rate of any other states, according to the State Plan on Aging. The study also divulged the foreseen problems and challenges in providing long term care services in rural communities, since consumers in these communities have hard time finding affordable LTC services in their area.

The State Plan on Aging recommended an increased in number of beneficiaries of Medicaid Home and Community-Based Waiver Program to about 100 persons per biennium. The state of Montana followed this recommendation and boosted the funding that would accommodate 102 slots for the programs.

There were several programs established to address the lingering problems of long term care. The legislature, on the other hand, created an Older Montanans Trust Fund (Senate Bill 155) in 2007 that will advance the program for home and community-based services (HCBS) and foster new or innovative programs for older people. Meanwhile, in the same year, the Senate Bill 206 was passed that authorized the Department of Public Health and Human Services to research the feasibility of increasing Medicaid payments to personal care providers and employees so employers can provide better health insurance for their workers. Senate Bill 206 authorizes the state department to analyze the effects of the plan.

In 1993, four states—California, New York, Indiana, and Connecticut—started the pilot program for long term care partnership. This program envisioned to help modify the stringent policies for qualifying in Medicaid program and encourage people to secure long term care insurance for themselves. The partnership program encouraged a lot of consumers from low to high income earners, since the program allows consumers to purchase policies even if they have assets greater than the required asset limit of Medicaid.

The state government of Montana acknowledged the benefits of the partnership program, and believed that more and more consumers will purchase policies for they are not required to reach the maximum asset limit of Medicaid or fritter their resources in order to qualify.  After the Deficit Reduction Act of 2005 was created, the state of Montana adopted the long term care insurance partnership program. The legislation was approved in 2007 and, as of July 1, 2009, private insurance providers participated in the partnership program. With the asset protection feature, an individual with partnership policy that pays 0,000 policy benefits can retain more of his or her resources, but still qualify for Medicaid coverage. The insured would be able to protect 0,000 assets from Medicaid asset recovery upon death. To sum up, an insured may be able to protect the amount of assets from estate recovery equal to the amount of benefits for long term care insurance.

Do partnership policies save taxpayer dollars? The 2005 Congressional Research Study found out that people are encouraged by the asset disregard protection. Supporters of partnership policies agreed that people can save more dollars to some extent, provided that partnership policies have incorporated inflation protection. When more insurers purchase the partnership policies, the Medicaid expenditures will be lessened and the taxpayers themselves will benefit

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Long Term Care in New Hampshire

The cost of long term care in New Hampshire is increasing every year that puts financial pressure on those in or near retirement. Along with the price hike, New Hampshire’s wobbling economy plus the fast aging population inflict serious outcomes on the value of nursing home facilities and Medicaid expenditures.

New Hampshire’s Medicaid program allocates more of its funding for the care of the state’s elderly population. The state spends ,769 per enrolee for Medicaid program compared to the national average of ,026 per enrolee. One reason why the cost is expensive for each enrolee is due to the demographic profiles of the individuals covered by the program.  Most of these senior enrolees are greatly in need of long term services due to their chronic conditions or disabilities. In 2001, only a small percentage of 8% adults was enrolled in Medicaid program and 55.1 percent of them stayed in nursing homes. Only half of the elderly population in New Hampshire can live in their homes.

The state of New Hampshire wanted to shape up the spending for home and community-based services (HABS), but, obviously, this remained idealistic to implement since most of Medicaid budget are allocated for institutionalized care. Thirteen percent of Medicaid budget are spent for adults and people with disabilities on HABS. New Hampshire ranks 38th for the state with highest spending on home care services.

Over 141,000 Granite Staters depend on Medicaid, and 12 percent of this population are age 65 and above. In New Hampshire, Medicaid allows the person to choose either home-based care or nursing care. However, Medicaid program can only provide home and community care for three people for the cost of serving one person in a nursing home.

New Hampshire is the 7th highest pay for private nursing homes at 9 per day. In 2007, the average occupancy rate in the state’s nursing homes was 90 percent. In 2008, the average rate for a nursing home was 0. The same year also the when the state recorded the highest rate for home health aides of /hour private pay, while /hour on Medicare-certified home health aides and per day for adult day care. In 2003, 53 percent of New Hampshire’s nursing homes were for profit, 33 percent non-profit, and 14 percent were government owned.

New Hampshire Long Term Care Partnership

The Deficit Reduction Act of 2005 (“DRA”) made several changes on the existing Medicaid regulations on long term care. Four states had used this pilot program as test, but the DFA expanded this to the rest of the states.

The New Hampshire’s Insurance Department proposed this program together with the New Hampshire Department of Health and Human Services. The partnership program was created in August 2007. With the Long Term Care Partnership Program, there is no minimum coverage requirement and asset limit set by Medicaid. The partnership policy will offer dollar-for-dollar Medicaid eligibility enhancements. Based on the regulation, the policyholder will be able to protect of resources for every received in reimbursement from a long-term care insurance policy.

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Long Term Care Health Insurance – Pros and Cons

Have you thought about purchasing long term care insurance (LTCi)?

If you have not thought about it, and especially if you are making some retirement plans, you should consider it or an alternative. The latest statistics tell us that half of us may need long term nursing care at some time in our lives. This care is not cheap, and can cost thousands of dollars every month. A LTCi policy can provide you, and you family, with some peace of mind in the future.

It is free to find out the cost of long term care insurance, so it won’t hurt to compare the prices and policies that are on the market in your area. Some policies are even tax qualified, and these means the premium ca be deducted from your taxes now. This may make the price more affordable and attractive.

What alternatives have you considered?

Medicare, the federal health insurance plan for seniors and disabled people, only pays for short term nursing care. You cannot rely on it to pay for long term nursing care.
Your savings could be quickly depleted by a long stay in a nursing care facility, or even by an extended need for at-home nursing cae. It is not unusual to see that these facilities can cost thousands of dollars a month.
Medicaid, the federal health program for the poor, will only kick in after you have depleted most of your assets. You may have to run through a lifetime of savings before you can rely on this program for help.

The biggest problem that most peope have is that the need seems far in the future, and it is something they may not need at all. Of course, we all do pay for auto insurance and hope we never need to use it. But the thought is something to consider, and that is why there are some alternatives.

Alternatives to Long Term Care Insurance

There are, for example, annuities, with a clause that allows the cash account to be used for severe illness. You could use this as a backup plan in case you need nursing care. If you never need it, you can still have your cash! Another option is a life insurance policy with an option to take some of the death benefit out, even if you are still allive, in the case of a severe illness. These are some other ways to plan for the possibility of needing to pay for nursing care that you should probably consider.

Should You Buy Long Term Care Insurance?

Nobody is telling you that you have to do anything. However, it will be prudent to find out more about LTCi and its alternatives a long time before you need to use it!

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Rhode Island Long Term Care

The 2007 US Census shows the current population of Rhode Island that hit 1,045,570. Around 130,730  or 13 percent of the population are comprised of elders aged 65 and above. The population of seniors rise incessantly each year; thus, the state government is alarmed  of the possible effects on health and welfare. Many private and public communities have come up with several programs that will bolster education for seniors about aging and health. The state government also devised programs for the elderly to help them achieve decent and worry-free retirement years.

Programs for Elderly in Rhode Island
One of the well-known programs that aims to further long term care in the state is the Rhode Island Fall Prevention Partnership. Its name addresses the common problem: fall is the most susceptible season for the occurrence of medical disabilities. This program educates seniors how fall can seriously affect their health and ruin their lives. It is sponsored by the Long Term Care Coordinating Council and has expanded to different foundations, associations and councils whose main objective is the care of the elderly in the state of Rhode Island. The state government also support this program, including the Rhode Island Department of Elderly Affairs and the RI Department if Health.

Another program that is better known yet is the government funded Annual Medicare Enrollment Event. It is an annual event that gathers all agents and seniors to meet at a plaza. This is considered as a group therapy for people rather than the promotion of Medicare Prescription Drug Plan, since many people do not want to get the latter’s program  either for themselves or for their loved one. Participants in this program are also looking for insurance plans as they mingle and speak with some group of agents and policyholders as well.

The two above-mentioned programs are only part of the many programs plotted by the Rhode Island government for the elderly. Although both programs appear as self-serving, they still enlighten the minds of many Rhode Island residents about the benefits of planning for their future and getting long term care insurance. These programs have attracted so many residents who are decisive in purchasing LTC plans, in fact, the number of residents with LTC plans have increased since these programs were promoted. When more and more residents purchase LTCs, the costs of these plans became suitable to all the residents of Rhode Island regardless of the state where they come from.

Rhode Island Long Term Care Insurance Partnership Program

May 15, 2007 is official approval of  the Rhode Island Long Term Care Insurance Partnership Program.  This program serves as benchmark of effective long term care plans that aims to prevent residents from squandering half or more than half of their assets to avail Medicaid coverage. Applicants need not be “impoverished” or “poor” to qualify for Medicaid benefits, since the funds allocated for Medicare directly come from the blood and sweat of many American tax payers. This will benefit both existing and potential policyholders from becoming eligible for Medicaid benefits although they have used up all the benefits. Through this, Rhode Islanders will save their lifetime savings and lead a happy and sound retirement years.

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Preparing for Long Term Care Insurance

Most of us are counting on Medicaid, disability insurance, personal savings and other resources in battling with the challenges of old age. We rarely–or not at all– think about the possibility of staying in nursing homes some time in the future, as it only makes us vulnerable to suffering and distress,

Everything in your home–car, house, appliance–is insured, and you never complain even if those dwindle your money. Why not insure yourself, too? Not buying long term care can be the worst mistake you’ll ever make in your life.

Misconceptions

Myth # 1: Disability insurance will pay for my long term care needs

.False. Disability insurance and long term care insurance have strong differences. Disability insurance pays you if you can no longer work due to disability; long term care insurance covers your care in a nursing home or an assisted living facility. Also, most disability insurance ends when you reach the age 65, but typical LTC insurance takes effect after the age 65.

Myth #2: Medicare/Medicaid will cover all the expenses for long term care

Medicare and Medicaid do not shoulder all your entire LTC expenses, unless you are impoverished. You must meet the poverty level in order to receive help from Medicare, but you don’t want to become poor, do you? Also, the quality of care provided in Medicaid homes are not the same as the care administered in private nursing homes.

Myth #3: My children will take care of me when I become old

If you are a parent, you would think that you no longer need LTC insurance because you have children to look after you. They might or they might not. Open your eyes in the reality that your children will someday raise a family, and all of their attention will focus on their own family and you’ll come second in their priorities. Soon, your youngest daughter will have to leave home to pursue her career and the eldest will have to move in with his/her spouse. 
With LTC insurance, you may stay independent despite of your old age and frail body. You won’t pester your children with such expensive bills or exhaust the family’s savings, because you have already paid everything for yourself.

When Should you Buy LTC Policy?

Financial planners and experts recommend the best age for buying long term care is between ages 40 and 50. The premiums or rates are much lower on that age group, and the benefits are locked in even though you develop medical condition in the succeeding years.

LTC insurance is expensive to those who wait at the closest time they will likely need it, while, in fact, the cheaper ones are offered at younger age. Married couples receive discounts than single individuals do because they need to provide care of each other longer.

Standard Provisions of LTCi

30-day free trial. You are entitled to cancel your policy for the first 30 days, with money back guarantee.

Guaranteed renewability. A company cannot cancel your policy as long as you continuously pay for the premiums

Unintentional missed payments.  A person may miss payments due to physical impairment or other medical condition. If this happense, the insured has up to six months to pay and redeem the policy.

Home modification – You can get a lump sum to make your home more comfortable for your condition. For example, installing wheelchair ramps or grab bars will help you perform activities better.

Respite care – You receive this when a home caregiver is away or on a vacation

Waiver of premium – After you become disabled, your premium is waived

Choosing the Right Long-Term Care Insurance Provider

The success of long-term care depends on the strength of your insurance provider. Long-term care insurance is seriously expensive, so you’d better not risk your lifetime savings on a company that will shut down or go bankrupt in the future. It’s important to keep a keen eye and conduct background check on your potential insurer to prevent the worst financial decision you’ll make in your entire life.

Financial Strength and Size are Crucial

The first two factors that you should look at a company are its strength and size. Small, poorly rated companies selling only two or three types of insurance, including LTCi are not the ones to trust and are the most vulnerable to economic loss. Companies with limited experience don’t have actuarial guidelines for the premium reserved for claims 20 to 30 years from now. A large company with sufficient reserves will be able to pursue its service to claimants despite of unfavorable claims conditions. Otherwise, a small, poorly rated company has little chance of surviving the test of claims.

Another reason for considering the strength and size is the current market environment. The current market is not large enough to favor all insurance companies. The reality is that it takes some massive investments to launch a new product, build or expand market share, and attract the premium income that will start producing profits. Only large, successful companies have their resources to stand still on the wobbling economy and expand their market share despite the aggressiveness of their competitors.

The Commitment to Long-term Care Insurance

It takes commitment for a company to pursue its visions for the policyholders. A company with commitment to its business strives harder to have cutting edge in the industry. A good sign that a company is committed is the level of resources the company has to expand or improve its long-term care business. For instance, we can say a company is committed if it acquires a few more company related to long term care or form a company that focuses solely on the sale of LTCi.

Another sign is the amount of market share the company owns. Evidently, the bigger the market share a company has means the longer the stay of the company primarily for its financial obligations. Bigger companies can only perform those roles.

Rate Stability

The insurance regulators ensure that the rate stability of LTCi is favorable for older policyholders with fixed incomes to help them keep up the costs. Good LTCi companies try its best to keep the increases under control and avoid unreasonable increments.

However, it is painstaking to distinguish which company will file premium increase in the future. One alternative way to check if the company has adequate premiums is through the “Long-term Care Experience Reports” published annually by the NAIC.

The second useful indicator is the company’s underwriting philosophy. The underwriting can determine the company’s approach to obtaining bid information, benefits offered, and the participation rates. According to study conducted by Millman & Robertson Inc., companies with “underwriting” procedures have 3 times the claims loss ration during the first three years compared to those with “tight” underwriting.

How to Pay for Long Term Care Costs

There are so many possible ways to pay long term care based on your personal needs. Below are the solutions in paying for long-term care:

Self Insure – This is so far the most expensive way of paying LTC. This is often used by people who wish to exhaust their assets and qualify for Medicaid in return. However, it is not advisable to use this method because it can drain your assets. People work hard to accrue great money and assets to live a fancied lifestyle, so using the personal savings for long-term care doesn’t make sense at all.

Medicare/Medicaid – Medicaid/Medicare is a publicly funded program aimed at helping the poor. Medicaid follows strict qualifications in determining the recipients of the program. Many Americans protest on the strictness of Medicaid for long-term care including the asset limitation. To become eligible, your asset should be at poverty level or 00 total cash assets and your estate is subject for state recovery. Also, Medicaid decides where you stay and who will provide care for you. Those circumstances are not favorable for seniors who wish to lead a dignified elderly life.

Commercial Long Term Care Insurance – There are reputable companies throughout the country offering competitive policies designed for individual needs. Nowadays, insurance companies are attracting younger people for LTC coverage to ensure their elder care and protect their assets. Financial experts advise people in their late 40s and 50s to start buying policies to safeguard their assets than wait until the cost becomes much expensive or they become insurable.

The type of policy that can be purchased from the insurer depends primarily on the age and health history. It is important to discuss with your insurance agent your health history and personal needs to identify the policy that will work best for your interest.

Group Plans – These are designed to provide much affordable plans to members of association, normally between the employee and employer. Some commercial insurance may offer discounts on individual policy when he/she is included in the group insurance of the same company or organization.

Group plans are underwritten by commercial companies. Group plans normally have restrictive benefits and higher deductibles versus the individual plan. It may be non-tax qualified, meaning you pay tax on benefits but the premiums are not tax deductible.  Otherwise, the insured may lose some of the options or benefits if he/she resigns.

Life Insurance with Long Term Care Rider – This plan is pricier compared to the long term care insurance. The initial premium and death benefit determines the total amount of monthly LTC payment. The death benefit should be drained first to get the LTC, and then the rider continues to pay the benefits. Any death benefit not covered for LTC will be given to the beneficiaries.

Corporate Benefits – Small business may enjoy the benefits from multi-life discounts provided with simple underwriting. There are also executive LTC programs, voluntary employer programs and association plans available.

Reverse Mortgage – This is not a substitute for long term care insurance since you must live in your house. The amount of benefits depends on the borrower’s age, the FHA maximum lending limit, and current interest rates. This is an option for people with low or insufficient incomes.

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Secrets to Long Term Success in Baggage Handler Positions

One of the most under appreciated positions in the airline industry today is in baggage handling. People are travelling by the millions each year through airports in the United Kingdom and Europe. With the exception of business travellers who only bring a small bag or brief case with them, most baggage needs to be checked and store aboard the airplane. Baggage handlers need to deal with baggage of every size and shape, properly storing it in the cargo area of a passenger liner without error. Young baggage handlers need to learn a few secrets in order to succeed over the long term in the airline industry.

One of the secrets to career long success in the baggage handling profession is to develop empathy for every traveller’s bag that they encounter. Baggage handlers in the United Kingdom handle millions of pieces of luggage on a yearly basis, which means that they hold in their hands billions of pounds worth of merchandise and treasured possessions. These hard working professionals need to be able to put themselves in the position of every traveller heading through their particular airline. The best way a baggage handler can do this is to think about their own travel experiences and handle baggage with care.

Another secret to long term success in the baggage handling world is to become familiar with every aspect of the airline industry. Baggage handlers often focus on their specific job responsibilities, narrowing in on perfecting their own performance in the workplace. However, baggage handlers are part of a larger process whereby luggage is brought to them from the customer service centre and ends up aboard the airline. As such, baggage handlers are not the beginning and end of the baggage storage process at major UK airlines. Handlers should consider the tasks of the front line workers like ticket agents and security guards in determining which baggage can be brought aboard, stored away, or rejected for travel.

A final secret for the success of baggage handlers in the United Kingdom is that teamwork is the best path toward job advancement. Baggage handlers work in an assembly line environment, where handlers work to organise baggage into classes, load it onto conveyer belts, and determine the best way to get the job done. Individually, baggage handlers can work hard to get their job done and may be successful over the short term. However, baggage handlers interested in long term success build strong relationships in order to ensure the smooth operation of the loading process.

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