August 16, 2014

InFocus: ‘Hybrid’ Long-Term-Care Policies via The Wall Street Journal

The beginning of 2013 opened with a bang when senior healthcare was brought to the attention of the people. It made quite a noise and started debates in the congress. Just in time for Obamacare, huh?

 

Before the year ended, senior health care made more noise and was picked up by the social media fast. With it is a decade-old long-term care insurance policy that is starting to reemerge in the market. Ignored by the mass, hybrid long-term care insurance came back with a bang.

 

Halfway through 2014, only a handful of people remain with no solid knowledge as to what hybrid long-term care insurance really is. Despite this very positive number, doubts are still on the table…

 

http://online.wsj.com/news/articles/SB10001424052702304393704579530130606718764

August 10, 2014

In Focus: Four reasons you need long-term care insurance via MarketWatch

Inside our head is one of the biggest philosophy implanted to us by the media and the world: the big and wonderful American dream. Sipping wine, cruising on a private yacht while your grandkids run about. Sounds so wonderfully peaceful right? Of course, it should sound like that. How else you can entice people to retire if you’re gonna bombard them with responsibility?

 

However, the most surprising thing about retirement is how most people tend to ignore about long-term care insurance considering its grave importance. What if you suffer stroke in the future? Cancer? Single?

 

The world is full of what-ifs, and whether you like it or not, the world would only smile to a few select people dating enough to take chances.

 

http://www.marketwatch.com/story/4-reasons-you-need-long-term-care-insurance-2014-07-22

August 2, 2014

Worth a look: hybrid annuity/LTC products via LifeHealth Pro

http://www.lifehealthpro.com/2014/07/21/worth-a-look-hybrid-annuity-ltc-products

Long-term term care insurance and other riders as a way of paying long-term care expenses. Self-insuring is a thing of the past and doing so is a gamble that no one on their right minds would suggest. However though, long-term care insurance makes people weary. Why purchase an insurance policy you can only use when you’re very old? There is also a possibility that you may not need it. If that is the case so, may I suggest the a hybrid long term care insurance? They are very enticing. (www.acsia.com/traditional-long-term-care-insurance-vs-hybrid-policies.php) It’s like paying two insurance policies for the price and one, and that should put a lot of minds at ease. Right?

July 9, 2014

“WHO needs long-term care insurance?”

Like any other not-so-cheap product out in the market, long-term care insurance is a target to countless myths that many people has come to believed in. Though long-term care is a service that anyone can really avail, from toddlers with disabilities, teenagers with broken bones to older adults weakened by time, long-term care insurance does not specifically cater policies to everyone. In fact, the insurance system we have now for long-term care are only provided to the weak and senile. Meaning, we can only offer long-term care insurance to the senior adults.

In this article by CNS News shared through ACSIA, it briefly discusses the things that everyone should know about LTCI. And as already said earlier, this is the kind of article that you may want to suggest to your grandma or grandpa or Old Aunt Eddie or someone.

 

 

 

 

July 2, 2014

In-Focus: Tax-Deductible

Though many people don’t obviously share the every agent’s enthusiasm about long-term care insurance, did you know that the federal government is actively encouraging it even before ObamaCare? Signed last 2006 by President George Bush, the Deficit Reduction Act of 2005 establishes stricter rules in transferring personal assets so that they can qualify for Medicaid assistance for long term care. In effect, this ensures that only those who really can’t afford care will be able to use Medicaid funds. To know more…

June 25, 2014

The Importance of Long Term Care Insurance [Insider’s POV]

 

What many people fail to realize is the importance of long-term care insurance and the messy result it entails if it’s left ignored. According to research and , 81% of Americans will need nursing aides before they reach the age of 70. However, that number is equated by a horrifying data of people, slim number actually, prepared to face it, roughly only 15%.

To at least give you a preview of the insurance’s importance, here’s Brad Boswell of ACSIA to talk about the importance of long-term care insurance

June 13, 2014 Link

Why You Just Cannot Buy Long-Term Care Insurance That Hastily

Why You Just Cannot Buy Long-Term Care Insurance That Hastily

Study shows that 90% of us will be needing long-term care assistance when we reached the age of 65…and the necessity of needing it will continue to climb as grow older every year. However, one cannot simply purchase LTCI out of sheer impulsiveness and fear of growing frail and weak without someone to help you. There are considerations that require careful thinking and situations that warrant assessments. You cannot just buy one because you want to; you need to think it over and over.

June 11, 2014 Video

REPOST: Can Nueroimaging Help Diagnose The Movement of Dementia?

We’ve tried almost every method we know to trace the origin, understand the progression, and cure the disease but we’re still nowhere near to the answer. In all aspect since it was coined, dementia proves to be a big mystery in medical science…and I think, with the number of Americans suffering from dementia on a steady climb, we should take every method left and use it to address this problem once and for all.