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Long-Term Care Insurance Carriers Face Challenges

January 13, 2017 by Leave a Comment

Many Americans have bought long-term care insurance to pay for nursing home care in later years. Unfortunately, many insurers underestimated the cost of providing long-term care benefits. As a result, many have increased premiums dramatically, and many stopped offering coverage altogether. Penn Treaty American Corp. plans to liquidate two of its insurance units. The units...
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Filed Under: Life & Health Insurance Information   •  Long Term Care Insurance

How to Prevent Divorce from Ruining Your Retirement Plans

December 26, 2016 by Leave a Comment

Divorce and Retirement

Divorce is a major life change that can affect your finances all the way through retirement. It divides assets and, in some cases, assets may be awarded to only one person — making the other spouse more vulnerable. Statistically, single adults have a higher risk of not having enough money saved for retirement. The Employee...
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Filed Under: Annuities   •  Life & Health Insurance Information   •  Life insurance   •  Long Term Care Insurance   •  Retirement Planning

Your Guide to Long-Term Care Insurance

December 6, 2015 by Leave a Comment

Long-Term-Care

Long-term care is quite different than traditional medical care. It is a skilled care/personal care service that people may need if they are unable to take care of themselves due to disability, illness or cognitive impairment such as Alzheimer’s disease. Traditional medical care is aimed at trying to treat or cure illnesses. On the other...
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Filed Under: Life & Health Insurance Information   •  Long Term Care Insurance

How To Plan for Long-Term Care Needs

April 10, 2015 by Leave a Comment

Planning For Long Term Care Needs

About 70 percent of people over age 65 will require some type of long-term care services during their lifetime. More than 40 percent will need care in a nursing home. Planning ahead for the care needs of yourself or a family member can reduce stress and ensure funds are available when needed. You need long-term...
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Filed Under: Critical Illness   •  Life & Health Insurance Information   •  Long Term Care Insurance

What Are the Alternatives to Nursing Home Care?

March 28, 2015 by Leave a Comment

Alternatives to Nursing Home Care

Fourteen percent of people age 65 or over need long-term care. Among those 85 or older, half need some long-term care, according to the Georgetown University Long-Term Care Financing Project. If you don’t like the sound of a nursing home, relax because today’s long-term care insurance policies can cover many other long-term care options. There...
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Filed Under: Life & Health Insurance Information   •  Long Term Care Insurance   •  Retirement Planning

Improve Your Financial Wellness

March 9, 2015 by Leave a Comment

Financial Well-Being

Consumers can experience financial well-being—or a lack of it—regardless of income. How would you rate your financial wellness, and why does it matter? Money problems rank as one of the top causes of stress, divorce and relationship problems. They can also affect your physical health. And when your health begins to deteriorate, that can further...
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Filed Under: Critical Illness   •  Group Disability Insurance   •  Life & Health Insurance Information   •  Long Term Care Insurance

How To Save Money on Long-Term Care Insurance

March 1, 2015 by Leave a Comment

The American Association for Long-Term Care Insurance recently published an article on some of the ways you can save money on your long-term care insurance…and how not asking the right questions can cost you. Some points to consider: Marital discounts. Some insurers give discounts to married people, on the theory that married people are more...
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Filed Under: Life & Health Insurance Information   •  Long Term Care Insurance

Ten Reasons to Buy Long-Term Care Insurance Now

September 30, 2014 by Leave a Comment

Long Term Care Insurance

When you consider the growing number of people over 65 in the U.S., the declining popularity of long term care insurance seems troubling. To improve awareness of how this insurance can benefit people, October has been named Long-Term Care Planning Month. Here are ten reasons you might want to consider purchasing long-term care insurance, especially...
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Filed Under: Life & Health Insurance Information   •  Long Term Care Insurance   •  Top Personal Insurance Stories

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