Long-Term Care: Four Things To Know

With people living longer and longer, these days, there’s a growing need for Long-Term Care (LTC) insurance. To help you choose the policy that’s best for you – and your pocketbook – industry experts offer these guidelines: Buy now. The older you are, the more you’ll pay for LTC because you’re more likely to develop health… Read more »

DON’T LET YOUR LONG-TERM CARE BENEFITS ERODE!

Inflation gnaws on everything, including your Long-Term Care (LTC) insurance benefit. However, more and more insurance companies are offering a Guaranteed Payout Option (GPO) – also known as a Future Purchase Option (FPO) – policy rider that can ease the bite. Says American Association for Long Term Care Insurance (AALTCI) director Jesse Slome, “A GPO… Read more »

LONG-TERM CARE: FOUR THINGS TO KNOW

With people living longer and longer, these days, there’s a growing need for Long-Term Care (LTC) insurance. To help you choose the policy that’s best for you – and your pocketbook – industry experts offer these guidelines: Buy now. The older you are, the more you’ll pay for LTC because you’re more likely to develop health… Read more »

LONG-TERM CARE: FOUR THINGS TO KNOW

  With people living longer and longer, these days, there’s a growing need for Long-Term Care (LTC) insurance. To help you choose the policy Buy now. The older you are, the more you’ll pay for LTC because you’re more likely to develop health problems as you age. What’s more, any medical condition might lead an insurance… Read more »

The Unique Tax Advantages on Annuity-Based Long Term Care

Have you considered getting an annuity-based long term care policy? It is always a good idea to have long term care insurance. You may never need it, but if you or one of you loved ones ever do need it, you will be glad you got the policy. Without a long term care insurance policy,… Read more »

How To Prepare Financially For A Columbia MD Critical Illness

No one wants to think about what would happen if they contracted a critical illness like cancer or had a major heart attack. However, critical illnesses affect millions of people every day. Take several steps today as you prepare financially for a critical illness. What are Critical Illnesses? A short list of critical illnesses includes:… Read more »

Understanding the Benefits of Voluntary Insurance Products

When it comes to finding and retaining quality employees, you must be able to provide them with a comprehensive benefits package. Even if you can’t afford to pay for all of the included insurance products, they should be offered. You will likely find that many of your employees prefer to pay for voluntary products instead… Read more »

Understanding the Benefits of Individual Long-term Disability Insurance

For people who earn a high salary that is based partially on bonuses or commissions, it’s important to keep in mind that long-term disability plans don’t usually take into consideration these types of income. Take for example that you earn $60,000 a year, but you usually bring in $20,000 in bonuses. If you were to… Read more »

Understanding the Benefits of Long Term Care Insurance

If you don’t have health insurance, you should consider setting up an appointment with a professional insurance agent to find the best policy. For those of you who go without insurance this year, you will have to pay a penalty come tax time. In fact, the government can directly hold the penalty from your tax… Read more »

Nursing Homes and Residential Care Facilities Hit With Overtime Claims

This month the United States Department of Labor reported that from 2011 to 2014 it recovered more than $6.8 million in overtime and unpaid minimum wages for more than 1300 employees in Bay Area nursing homes and residential care facilities. Working conditions in some residential care facilities can be difficult for many caregivers. Many of… Read more »