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Long Term Care Costs Keep Increasing

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

The cost of long term care continues to climb making it more important than ever that people plan for how they will pay for care when they need it.  Medicare does not pay for long term care. The cost of long term care depends upon where you are living so it is wise to look up the average costs in your area to determine how much financial protection you need.  Long term care insurance is one way to reduce financial risk in retirement.

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Beneficiary and Missed Payment Notices: Are Your Insurance Policies Up-to-Date?

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Tags: Insurance, life insurance, long term care insurance

Is the beneficiary information in your life insurance up to date?  Is the notice of missed payment information in your long term care insurance policy filled in and up to date?  The beginning of the year is a great time to check insurance policy information to make sure this critical information is filled in and the contact information is up-to-date.

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Making Long Term Care Insurance More Affordable

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Tags: Long Term Care, long term care insurance

One way to make long term care insurance more affordable is to purchase a plan that grows at 3% per year rather than 5% per year.  For many people long term care insurance benefits that grow each year by 3% is affordable and can provide the protection their family needs for the future.  Always compare long term care insurance policies among several companies as prices, benefits and underwriting differ at each company.

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Costs of Long Term Care Continue to Rise

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

As long term care costs continue to rise the younger generation watches what is happening to their parents and grandparents and say they will plan for the future.  The annual average cost of nursing home care has reached $91,250 and assisted living is $43,200. Costs for care at home are rising more slowly with a home health aide at $20 per hour.  The Genworth Cost of Long Term Care study underscores why it is important to plan for long term care and shop carefully for long term care insurance. Longevity Alliance offers a Consumer's Guide to Long Term Care to assist people with understanding long term care insurance.

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Long Term Care Insurance Deductions for 2015

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

If you are thinking about buying a long term care insurance policy make sure you calculate in the potential tax deduction available to you each year.  The IRS just issued the tax deductibility guidelines for 2015.  The amount available is based on your age and medical expenses incurred for the year (if you are Medicare age, Medicare premiums count). Many states also offer a tax deduction or credit for people who buy long-term care insurance.

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Is This Stopping You From Buying Long Term Care Insurance?

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Tags: long term care costs, long term care insurance, Long-Term Care, long-term care insurance

Is the prospect of never using long term care insurance stopping you from buying.  Then you should consider a return of premium long term care insurance policy.  A leading insurance company offers a plan that will return premiums if you pass away and never use the policy.  Is it right for you?  Compare long term care insurance plans and find out.

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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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Planning for Caregiving and Long-Term Care

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

Caregiving is stressful, yet we continue to fail to plan for long term care services, according to a new research report. And we are woefully misinformed about who will pay for long term care (hint- generally not Medicare).  In fact, we are more likely to plan for our death than living with long term care needs.  

Talking with your parents, souse and family about long term care should be on the top of the list of anyone over 40.  Exploring long term care insurance can be a good way to get informed about how long term care works and how much it costs. 

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Long Term Care Costs At Home Climb

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

Long term care costs at home can be just as much as long term care costs in an assisted living facility.  And the cost of long term care continues to climb according to a new survey.  Long term care insurance can help pay for the costs.  But make sure that you compare several long term care insurance plans before you buy.  Here are three tips for buying long term care insurance.

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Retiree Health Costs Still More Than Most Expect

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Tags: long term care insurance, Longevity Alliance, Medicare supplement rates, Retiree health insurance

Retiree health care costs have dropped slightly, but are still almost four times the most pre-retirees expect.   A new report from Fidelity estimates a 65 year old couple retiring in 2014 will spend about $220,000 on health care costs in retirement.  Three tips from Longevity Alliance on how to cut health care costs in retirement.

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