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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: Comparing how much assisted living costs by state The Washington Post Long-Term Care, Retirement Home and Elder Care Lodge Resources | HKPR District Health Unit Haliburton, Kawartha, Pine Ridge District Health Unit Facing financial ruin as costs soar for elder care The Philadelphia Inquirer Perley Health Foundation reaches $10M goal to transform elder care – Ottawa Business Journal Ottawa Business Journal A fire, two deaths and the business of elder care in India Al Jazeera English Groundbreaking Sets PACE for Elder Care in Valley Calexico Chronicle Elder Care Services to host I-PASS Assist program in DeKalb Daily Chronicle Insights on Exposing, Resolving Chronic Underfunding of Nursing Homes Skilled Nursing News Ontario Breaks Ground on Long-Term Care Home in First Nation Community Government of Ontario News Frailty Coordinator Lauren Jefferson supports seniors in their health care journey Nova Scotia Health Authority Bridging the gap: The need for fair wages in elder care services in New Hampshire – New Hampshire Bulletin New Hampshire Bulletin Ontario's response to COVID's long-term-care crisis lacks an 'easy fix,' says elder law lawyer Law Times Facing Financial Ruin as Costs Soar for Elder Care The New York Times Where do seniors live in America? Here’s where 11 call home The Washington Post Hôpital Glengarry Memorial Hospital Embarks on Transformative Elderly Care with the Implementation of the Hospital ... Cornwall Seaway News Top 10 Senior Caregiver Duties A Place for Mom B.C. Seniors Advocate in Courtenay for presentation on elder care Comox Valley Record Creating 'centres of excellence' will help improve senior care in hospitals, says health minister CBC.ca Advice | Carolyn Hax: She's an at-home mom. Why can't she do elder care, too? The Washington Post Big Profits in Caring for the Elderly The New York Times NJ adds palliative care to Medicaid NJ Spotlight News Facing financial ruin as costs soar for elder care The Seattle Times Elder care home under construction on Tyendinaga Mohawk Territory Ontario Construction News Elderly Care Market To Reach USD 1,902.7 Billion By 2032 GlobeNewswire Is this the future of queer elder care? Xtra Magazine 7 Elder Care Stocks to Take Advantage of Aging America InvestorPlace Calgary seniors produce play on mandatory medical assistance in dying to cope with rising health care costs Global News Desperate Families Search for Affordable Home Care The New York Times Senior care is crushingly expensive. Boomers aren't ready. The Washington Post Rock and Roll and Elder Care in “Goldie” The New Yorker These adorable Japanese robots are being used for elder care Interesting Engineering Aging with dignity in the community | CMA Canadian Medical Association Community Spotlight: Ground broken on new state-of-the-art Elder Care Home in Tyendinaga Mohawk Territory Napanee Today What Long-Term Care Looks Like Around the World The New York Times School of Social Work alum wins distinguished award for elder care advocacy - Wayne State University School of Social Work alum wins distinguished award for elder care advocacy Wayne State University Facing Financial Ruin as Costs Soar for Elder Care HealthLeaders Media 2024 Executive Forecast: What 9 Home Care Leaders Expect Next Year Home Health Care News The Best Smart Home Devices to Help Aging in Place The New York Times Feds commit $30.25M towards new Tyendinaga elder care home The Intelligencer As China ages, pilot scheme plans to take loneliness out of retirement homes South China Morning Post Elder Care Services looks for new volunteers for meal delivery program WTXL ABC 27 Tallahassee News 11 Signs Your Aging Parents Need Senior Care | U.S. News U.S. News & World Report Elder care and growing guide: expert tips on sambucus | Homes & Gardens New AI safety system tracks seniors in care homes while giving them more privacy, researchers find CBC.ca Geriatric Care Services Market to Grow at a 7.3% CAGR from 2023 to 2028, reaching US$ 0.7 billion: TMR Report GlobeNewswire Elder Care celebrates 40th year with Open House Saturday Examiner Enterprise Inside Japan’s long experiment in automating elder care MIT Technology Review A More Humane Model for Eldercare in the U.S. HBR.org Daily Opinion: Elder care requires more than just money The Daily Titan She Means Business: More solutions to the 'sandwich' problem - Bizwomen The Business Journals Caregivers Worry About a Lack of Resources for Long-term Care The New York Times Call Kurtis: Elderly mom's caregiver keeps no-showing, experts expect problem to get worse CBS Sacramento Elder-care startups look at filling the void The Financial Express Long-Term Care Centre CIUSSS West-Central Montreal Homeless seniors in Phoenix, elsewhere are flooding shelters The Washington Post Wisconsin's elder care facilities face staffing, financial challenges that threaten care Wisconsin Public Radio It Takes a Village for Elder Care, Too The American Prospect |
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