insurance tagged posts

Straightforward Senior Care

Longterm Care

Straightforward Senior Care

Straightforward Senior Care

As Mom and Dad age, the reality hits that they may need senior care. Determining what type of senior care they may require is often a good place to begin. Are they still somewhat independent, but just need help with cleaning and shopping or are they in need of more care? Areas to look at could be their physical health, any changes in hygiene, trouble with finances, trouble keeping track of medication, insurance, or bill paying...

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Bishops Say Health Reform Should Include Illegal Immigrants

Legal Health Issue

Bishops Say Health Reform Should Include Illegal Immigrants

Bishops Say Health Reform Should Include Illegal Immigrants

Though Bishop William F. Murphy of Rockville Centre, N.Y., concedes there’s no political will in Washington to include illegal immigrants in health care reform, he believes it’s the country’s moral obligation to ensure that everyone in the nation receives proper medical care. That includes those who enter the country illegally, he told Catholic News Service.

“I agree that there is a special problem with those who have entered here without the permission of the United States, and that has to be looked at,” said Bishop Murphy, who chairs the U.S...

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Understanding The Legal Impact Of A Work Injury

Legal Health Issue

Understanding The Legal Impact Of A Work Injury

Understanding The Legal Impact Of A Work Injury

When a person is a victim of a work injury there are several concerns they face in relation to the severity of the injury. When severe, a person has several issues regarding their own health and the possibility of recuperation. With nearly any injury a person begins to discover concerns over their ability to carry on the work they do and how they may be able to support their family.

A work related injury is a much more common occurrence than people think and there is a system designed to help the individual who find themselves to be a victim of this type of mishap...

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Long Term Care Insurance? Act Before it is Too Late

Long-term care

Long Term Care Insurance? Act Before it is Too Late

Long Term Care Insurance? Act Before it is Too Late

We generally do not think about long-term care until and when we experience it in our lives. Oftentimes it takes the form of a loved one (typically a parent) who becomes suddenly disabled and the family (typically the children) steps in to assist. That assistance soon begins to take more and more of our time, affecting our jobs, our own families, and ultimately our lives. When this happens we all become fast studies in the field of long term care and, unfortunately, when there is inadequate planning, it is often too late. We are transformed from loved ones into long term care providers...

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Long Term Care and How to Pay for It

Longterm Care

Long Term Care and How to Pay for It

Long Term Care and How to Pay for It

Long term care and how to pay for it must be addressed well in advance of the actual need. Long-term care, the care needed in the near future, perhaps because of permanent conditions such as arthritis, stroke or dementia. It may mean help, such as washing, dressing or eating – in your own homes or in nursing homes.

As you age, you may develop health problems that could make it difficult to cope with daily tasks. So, there is a big possibility that one day you might need help and assistance to stay in your own home or move into a nursing home.

Every State can provide little help to cover this treatment, depending on y...

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Long Term Care For Women

Long Term Care For Women

Long Term Care For Women

Long Term Care For Women

Long-term care for women covers a wide range of products and services, such as home care, hospice, medical equipment, and home-delivered meals. The vast majority of regular middle-class Americans are under-insured, which will leave them with financial issues related to health care.

Women have the largest issues. Why is that so? Nowadays, women live longer than men; they require lengthier care as they age.

Statistics show women constitute 75 percent of all residents in a nursing home age 65 and older.  One study conducted by Medicare showed, approximately nine million men and women over 65 will need long-term care...

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Florida’s Long-Term Care Partnership Program

Longterm Care

Florida’s Long-Term Care Partnership Program

Florida’s Long-Term Care Partnership Program

Florida’s Long-Term Care Partnership Program is a partnership program between Medicaid and private long-term care insurers designed to encourage individuals to purchase private long-term care insurance.

Qualified policies under the partnership programs are tax qualified under federal law. Tax qualified simply means a portion of premiums paid may be claimed as a tax deduction. Also, policies must offer policyholders inflation protection and dollar-for-dollar asset protection. The dollar-for-dollar asset protection signifies that for every dollar that a partnership policy pays out in benefits, a dollar ...

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Green Premiums for Janitorial Business

Green Premiums for Janitorial Business

Green Premiums for Janitorial Business

Green Premiums for Janitorial Business

Green premiums for janitorial business may have finally arrived. During the time known as the Orange Era, citric cleaning products were brought to the market boasting of environmental safety, but left a stubborn mindset that these cleaning products were expensive and not as good as conventional products. The good news is that we are now in the Green Era, and the newer products are only 2% to 4% more expensive than commonly-used products. We are slowly discovering that the new generation of Green Products are as good or better than the products now in use by cleaning services.

One of the issues of the Green transiti...

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Supplemental Health Insurance Resources Online

nsurance

Supplemental Health Insurance Resources Online

Supplemental Health Insurance Resources Online

Supplemental health insurance resources on line can help you understand the rules, regulations and stipulations often by carriers and their different policies. The policies use terms that one without specific insurance background might find unclear and confusing. Words such as co-payment, deductible, family allowance, preventative vs. routine care often times add confusion.  Health Insurance in general is difficult to understand and often leads us to believe we are being manipulated...

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Understand Long Term Care/Insurance

Understand Long Term Care/Insurance

Understand Long Term Care/Insurance

Understand Long Term Care/Insurance

What a bold and brazen promise…Understand Long Term Care insurance. When most people think of Long Term Care insurance, their brain typically seizes up. We want to be the translator. We want to take the technical and specific language of Long Term Care coverage and make it very accessible to all…or at least most. So let’s dive into the world of Long Term Care and why it might be the most misunderstood and unappreciated type of insurance on the market.

Before we get into the nuts and bolts of the insurance, let’s first understand the need...

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The Difference Between LTC Insurance And Long-Term Disability?

The Difference Between LTC Insurance And Long-Term Disability?

The Difference Between LTC Insurance And Long-Term Disability?

The Difference Between LTC Insurance And Long-Term Disability?

What is the Difference Between LTC Insurance And Long-Term Disability? here is often a degree of confusion when individuals are dealing with long-term care (LTC) insurance and long-term disability coverage for obvious reasons. The average consumer can be forgiven for confusing the two forms of insurance, but it is important the difference is known to ensure that you do not get something which may not apply to what your long-term needs are.

First of all, long-term disability insurance protects your future earnings in the event you suffer a disabling event, such as brok...

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Health Insurance Quotes

Health Insurance Quotes

Health Insurance Quotes

Health Insurance Quotes

Health insurance quotes are easy to get on line. Ask anyone that has been to the doctor or hospital lately and they will say that the bill made them sicker than why they went in the first place. Health insurance has become a necessity for everyone and especially for families. Having to provide this on your own may be a burden but one way to help cut this cost is to search for cheap health insurance quotes online.

Just because cheap health insurance quotes are low cost does not mean that the service is in any way substandard. With so many providers competing for business, they each want a piece of the proverbial pie...

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Who Will Pay Your Long Term Care Bills?

Who Will Pay Your Long Term Care Bills?

Who Will Pay Your Long Term Care Bills?

Who Will Pay Your Long Term Care Bills?

I always like to ask my clients, Who Will Pay Your Long Term Care Bills? “Will your financial planner be willing to pay your long term care bills, will they have access to good quality home health care providers?” Many lawyers and advisers are now reluctant to recommend against long term care Insurance for fear of law suits later on, from children, when hundreds of thousands of dollars were required to pay for their parents long term care bills. Planners who fail to recommend coverage are more times than not, unaware of the real RISK of needing care one day.

The senior has now become the greatest financial risk...

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Legal Injuries are not always obvious

Legal Injuries are not always obvious

Legal Injuries are not always obvious

Legal Injuries are not always obvious

Injuries cause people issues that go way beyond what the eye can see. Legal injuries are not always obvious. When the term injury is used most people think an accident has occurred. An injury can also be a physical ailment that has occurred over time. One example of an injury which you could say isn’t so obvious is RSI – a common workplace injury.

RSI stands for Repetitive Strain Injury and can occur from using a computer mouse or keyboard. Certain mouse pads and keyboard arm rests can help prevent the injury occurring with extra padding as support so the wrist isn’t overused or strained...

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Understand How Long Term Care Insurance Works

How Long Term Care Insurance Works

How Long Term Care Insurance Works

How Long Term Care Insurance Works

How long term care insurance works? This is a question I hear almost every day. Many people still do not understand how LTC insurance works. Due to the heightened awareness of Long term Care Insurance over the past several years, most people realize that this coverage is an important part of their financial planning.

When you purchase LTC you are simply purchasing a pool of money to be used at a later date. We all hope to live to be 101 and pass away in our sleep.

Unfortunately this is not often the case. There is almost 70% chance that one person in a couple will need Long Term Care at some point in their lives...

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How Much Does Long-Term Care Cost And Who Pays For What?

How much does long-term care cost and who pays for what?

How much does long-term care cost and who pays for what?

How Much Does Long-Term Care Cost And Who Pays For What?

How much does long-term care cost and who pays for what? In the many different discussions about the importance of long-term care insurance costs, there is often very little discussion about how much it will cost an individual. For many, the long-term care insurance cost is immaterial when compared to the benefits it can bring to an individual who is in need of long-term care.

For typical long-term care, that which does not come from an insurance plan, the cost is taken on by the family or friends of the individual...

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What Age Should I Start Thinking About Long-Term Care Insurance?

Long-Term Care Insurance

Long-Term Care Insurance

What Age Should I Start Thinking About Long-Term Care Insurance?

At what age should I start thinking about long-term care insurance? Long-term care insurance is a very important part of ensuring you have a future that does not leave your family struggling to pay your bills at the nursing home. Getting that insurance means you are taking the initiative and thinking ahead, which is an excellent quality in an individual. However, many potential long-term insurance individuals do not always know when they should consider getting long-term care insurance. So, when should you think about making the commitment?

If you know when you are going to need to make a long-term ca...

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What Should I Know About Long Term Care Insurance

What Should I Know About Long Term Care Insurance

What Should I Know About Long Term Care Insurance

What Should I Know About Long Term Care Insurance

The question is often asked, what should I know about long term care insurance. Long term insurance coverage is part of a plan leading to a financially stable and safe future in case of a long term care event. However, if you do not have any provisions in place, then you should begin to look into LTC insurance to help make your life, and the lives of your family, more secure.

There are many factors to look for when you are getting long-term care insurance coverage, and we will cover the most important in this article...

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Is Long Term Care Insurance Affordable?

Is Long Term Care Insurance Affordable?

Is Long Term Care Insurance Affordable?

Is Long Term Care Insurance Affordable?

Is long term care insurance affordable in todays market place? Insurance is a wonderful thing. It gives us the peace of mind knowing that someone has our back, and it provides us with the security we need in the event of an accident that can alter the course of our lives. Long term care insurance is no different, but many feel they cannot get it because they do not know how they will afford long-term care insurance. The question then comes up about who can afford LTC insurance.

Many will wait for their near retirement to get LTC insurance, because at that point the prospect of needing help with activities that ...

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Emergency Room Surprise Billing

Emergency Room Surprise Billing

Emergency Room Surprise Billing

Emergency Room Surprise Billing

For most people a visit to an emergency room carries sufficient stress. As many as twenty percent (20%) of emergency room patients receive additional trauma in the form of an unanticipated medical bill– in more than a few cases for thousands of dollars.
Patients who are forced to use the emergency services in a hospital, even one that is within their insurance network have a twenty percent (20%) of seeing an out-of-network ER doctor who may bill them for his services according to the New England Journal of Medicine.
The article was based on a sample size of over 2...

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