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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: A pioneering S.F. program seeks to keep rapidly aging immigrant population out of nursing homes San Francisco Chronicle NTI Invests in Community Facilities for Elder Care Nunavut Tunngavik Inc. Elder Law Guys: Filial responsibility is back — will you be responsible to pay for your family member’s care? Pittsburgh Post-Gazette '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 Physiotherapy Elder Care Outpatient Clinic at Vancouver General Hospital Vancouver Coastal Health Guiding Souls Home Care Continues To Set New Standards In Elder Care In Sacramento The Globe and Mail Frailty Nova Scotia Health ‘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 Nova Scotia Health’s Dignity of Risk Program leading change in caring for older adults living with frailty and dementia Nova Scotia Health Bay of Quinte Mohawks donate $60K each to Elder Care Home project, Belleville General Hospital Foundation Kingstonist News Eugeria Acquires Eldergrow, Relaunching Trusted Therapeutic Gardening Program for Senior Living PRWeb Video: How the Immigration Crackdown Threatens Elderly Care The New York Times Anglican elder care specialist and advocate named to Order of Canada The Anglican Journal A game of hide and seek? McKnight's Long-Term Care News Elder Care Homecare Expands Commitment to Families with Specialized In-Home Care for ALS in New York City The Globe and Mail Why Cameras Are Popping Up in Eldercare Facilities KFF Health News Help! I Can’t Believe the Disgusting Thing My Father Did at My House. I Demand an Explanation. Slate Companion Care - Robotic devices are becoming more prevalent for senior care and companionship Trend Hunter When Elder Care Is All in the Stepfamily The New York Times Digitalization for Improving Elder Care Asian Development Bank Bonjour Résidences at the SMASH Conference in Las Vegas: Technological Innovations for Senior Care Bonjour Résidences Research Reaches Aging | Faculty of Nursing University of Alberta Need for more longterm care beds, subsidized living units highlighted by recent report on seniors services CFJC Today Kamloops A senior care boom in South India Deccan Herald National Yarning Circle opens in Adelaide to advance Aboriginal and Torres Strait Islander aged care Inside Ageing Norbert Health and Lumina Care Announce Strategic Partnership to Transform Elder Care through AI Technology Business Wire MHA grad rewrites policy to benefit elder care USC Price School Opinion - Gene Hackman’s final days reveal America’s elder care crisis Yahoo News New Zealand New long-term care home coming soon to Kamloops BC Gov News A look at elder care initiatives in Northside - The Daily Tar Heel New long-term care home coming to Squamish BC Gov News Elderly care highlighted at China's 'two sessions' Global Times Officials strive for quality elder care China Daily AEDs for Retirement Homes and Elderly Care Zoll Medical Long-term care home moves forward in Surrey Fraser Health Authority America’s ‘Silver Tsunami’ Crisis Is Only Just Beginning Bloomberg.com Indigenous-led aged care the focus of national yarning circle National Indigenous Times President's Budget Proposal for FY26 Harmful for Aging Service The National Council on Aging (NCOA) Elder Care Graduates in Hot Demand in China Sixth Tone China to use AI in elder care as population ages: official The Economic Times Georgia State University, A.G. Rhodes Launch Innovative Elder Care Partnership Georgia State University News Juniper’s Industry-Leading AI-Native Network Transforms User Experiences and Safeguards Data for St Luke’s ElderCare in Singapore Passionate In Marketing Automation Solutions for an Aging Society: The Future of Elder Care A3 Association for Advancing Automation Elder care practitioner Jade Jasken joins Essentia Health St. Mary’s-Detroit Lakes Clinic Essentia Health Missouri bill would require senior-care referral companies to disclose financial ties Missouri Independent Close to home. As you approach the age of needing residential care, here are your options — and the price tag Toronto Star Helene left some N.C. elder-care homes without power North Carolina Health News Will the Coalition’s aged care waitlist pledge hold up? Aged Care Guide A win-win, for providers and workers Australian Ageing Agenda |
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