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3 Types of People Who Need Life Insurance Too

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Tags: caregivers, life insurance, seniors

Don't be fooled by the photos of young families on life insurance ads.  There are lots of other people who need life insurance too!  Single mothers and fathers, caregivers and aging adults are all groups of people who can benefit from having a life insurance policy.  If that's you, read about why you should shop and compare life insurance rates to protect your loved ones.

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Family Caregivers May Not Be Your Long Term Care Solution

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Tags: baby boomers, caregivers, Long Term Care, long term care insurance

Family caregivers may be a disappearing breed.  As baby boomer live longer, with smaller families and higher levels of divorce, the family pool of who can provide care is shrinking. The caregiver ratio, a term coined by AARP, is the number of people in their 40s and 50s who are able to help care for those over 80. So baby boomers should take some time now to plan for long term care and figure out who will provide care or how they will pay for it and whether long term care insurance is an option.

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Should You Buy Long Term Care Insurance for Your Parents?

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Tags: aging parents, caregivers, long term care costs, long term care insurance

The impact of long term care costs doesn’t just sit with the person who will need care.  It reverberates throughout the family.  That’s why some adult children find that purchasing long term care insurance for their parent is a smart way to protect their own financial future.

The facts are that 1 in 4 adults will experience adult caregiving duties.  

At Longevity Alliance we often get the question of whether a child can pay for the long term care policy for their parent.  The answer is yes. But it requires some discussion and coordination. 

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$6.6 billion in Long Term Care Insurance Benefits Paid in 2012

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Tags: caregivers, Long Term Care, long term care insurance, retirement planning

If you think long term care is expensive, you are right.

Just look at what long term care insurance companies paid out last year for care services.

More than 264,000 individuals received long term care insurance benefit payments of $6.6 billion last year, according to the American Association of Long Term Care Insurance.  Here’s three important facts about those claims for anyone thinking about buying long term care insurance.

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Helping Your Loved One Compare Medicare Plans

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Tags: caregivers, Medicare Advantage, Medicare open enrollment, Medicare Part D

Over the weekend my mother handed me a bunch of mail she received on Medicare prescription drug plans. She asked what millions of seniors across the country are asking, “What should I do?”

I asked her a couple of questions that helped me do the best job I can of helping her decide what to do.  If you are a caregiver or an adult child helping a loved one during Medicare’s annual enrollment period, try these questions

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4 Tips for Caregivers for Medicare Annual Enrollment

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Tags: aging parents, caregivers, Medicare, Medicare open enrollment

Whether you are a full time caregiver or just helping an aging parent or sibling or friend, finding the right Medicare plan during the Medicare Annual Enrollment Period can be a challenge.

The best way to make sure you’re getting the right information is to be prepared with some basic information that will help the advisor or agent help you find the right Medicare plan.

Here are four tips to helping your loved one through the Medicare Annual Enrollment Period.

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What Will Your Long Term Care Cost Your Family?

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Tags: caregivers, Long Term Care, long term care insurance

Somewhere in your 40s or 50s you’re likely to come across a family struggling with long term care needs and cost. It might be your own family or that of a colleague at work or a family in your neighborhood.

And many of us make the mistake of saying “It won’t happen to me.”

But the rising number of family caregivers and increasing number of people using long term care services contradicts that feeling. In fact, your odds of needing long term care assistance after age 65 are about 70%.

So we’ve compiled some compelling data points to help you put the risk of long term care in perspective.

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The Numbers Behind Caregiving

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Tags: caregivers, Long Term Care

As more evidence that we are an aging society, the government is now tracking the time spent by individuals providing elder care.  This is not about institutional or paid professionals.  This is time family members are giving to help older family members and friends with household and leisure activities.

The numbers  are a reminder about how many of us will reach a point where we need the assistance of someone else and how much of this care is provided at home.

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Long Term Care Tips for Women

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Tags: caregivers, Long Term Care, long term care insurance

Long term care is a woman's issue. Don't get me wrong - men need to plan for their long-term care needs, too. But the fact is that women live longer and will most likely be caregivers first and in need of caregiving later. And, when the time comes for her, the same family and financial support might not be available.

That's why it is so important that women plan for the time when they can't take care of themselves and might need some help with everyday activities. So, ladies, what are we doing wrong?

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