A growing concern for many Americans, especially Boomers, but also Americans in other generational groups, as well, is long term care. Long Term Care is vital because as a society we are living a lot longer than in the past. Recent advances in medical care and the treatment of disease and illness have advanced much [...]
Posts Tagged ‘Health care’
more...How much disability insurance coverage do I need?
May 1st, 2010 by Your Insurance Advisor
In a recent post about disability insurance coverage, we discussed how to determine what amount of disability insurance to buy? Today, we’ll take a look at a quick and easy method to estimate the amount of money needed (as an amount of disability insurance coverage) as accurately as possible. The most effective and accurate way [...]
Big Government’s Coming to LTC?
April 30th, 2010 by Your Insurance Advisor
The National Academy for State Health Policy has recently released a report on the new changes and provisions in the Patient Protection and Affordable Care Act which will affect Long Term Care (LTC) insurance for America’s seniors. Some of the “enhancements” found in these new changes are designed to help seniors avoid nursing homes, coordinate [...]
Fraud in the Health Care System
April 30th, 2010 by Your Insurance Advisor
One good benefit coming from all of the attention being paid to health care reform is the attention being paid to fraud in the medical health care community, much of it perpetrated by health care providers. Many people oppose the reforms fearing a turn to socialist policies by the government. Where there is controversy, however, [...]
How can I determine how much disability insurance I need?
April 29th, 2010 by Your Insurance Advisor
The goal of buying long term disability insurance is to make sure that if a disability occurs, you and your family will have enough financial resources to maintain your family’s lifestyle without having to make drastic changes. You’ll need to make some adjustments of course, but the goals is to ensure that those adjustments do [...]
Why is the impact of disability worse than death?
April 28th, 2010 by Your Insurance Advisor
Disability is the inability to earn a living (this means working for most of us) due to illness or injury. Long term disability results from this type of condition existing for a period of three months or longer. The longer the period of disability, the harder it becomes financially for the disabled, and his or her family.
Are you concerned about qualifying for a health insurance plan, or being able to afford one?
April 27th, 2010 by Your Insurance Advisor
Many Americans worry about their health. Specifically, they worry about being able to pay for their health care expenses if something bad happens. Unfortunately, it’s not even really a matter of if, but of when. For many Americans struggling to make ends meet, especially now during this difficult recession when many of us are worried [...]
Insurance for your Pet
April 27th, 2010 by Your Insurance Advisor
If you are a pet owner, and worry about paying your pet’s healthcare bills, there is a new program available that can cover your pet health care expenses and will pay up to 90% of those expenses. This pet health insurance plan covers all of the things you’d expect all the way up to 90% [...]
Why we buy insurance
April 27th, 2010 by Your Insurance Advisor
Many consumers do a poor job of protecting themselves from the long term loss of income due to a long term disability. The great majority of consumers who do buy this type of coverage do so through their employers, yet these types of employer provided long term disability insurance policies may not be the best choice for consumers.
What are some options for Long Term Care?
April 26th, 2010 by Your Insurance Advisor
The primary issue when receiving long term care for most seniors is what level of independence will they be able to retain. In effect, what this really means is what kind of level of independence can they afford. As always, it comes down to money, and being able to afford to pay for the appropriate level of long term care.
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