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New Retirement State: Long Term Care Denial

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

There are some things about our future that are just hard to think about but need to be planned for.  Long term care is one of those. Yet most of us are in a state of denial when it comes to our future need for long term care.

In fact, two-thirds of people aged 40 and older say they have done little or no planning for long term care, according to a new study by the AP-NORC Center for Public Affairs Research.

At the same time, this is the generation that knows firsthand the probable need for long term care as they struggle to help parents and friends deal with the need for care and the high price tag that goes with it.

What’s going on?

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Cost of Long Term Care Continues to Climb

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

If you are waiting to buy long term care insurance because you think the cost of long term care will stop climbing, think again.  Long term care services continue to get more expensive, according to the 2013 Cost of Care Survey from Genworth.

However, there is some good news.  The kind of care people want most – long term care in their home – is growing at a much slower pace.  The big increases are being seen in assisted living facility and nursing home costs.

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5 Tips on Buying Senior Life Insurance

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Tags: life insurance, senior life insurance, seniors

One of the last things most of us want in life is to be a financial burden to our family.  That’s why people buy guaranteed acceptance life insurance policies. They may want to provide enough money to pay final expenses or to leave a small amount to a caregiver for their help or enough money to fix up the house to sell it after they are gone.

Often known as final expense insurance or funeral insurance, a guaranteed acceptance life insurance policy usually has a benefit value of $20,000 or less.  It is also referred to as senior life insurance because it is life insurance for people 50 to 80 years old who may have medical conditions that make it impossible to qualify for other types of life insurance. 

Here are 5 tips for buying a guaranteed acceptance life insurance policy.

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Health Trumps Money When It Comes Baby Boomer Retirement Worries

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Tags: baby boomers, long term care insurance, Medicare Part D, Retirement

Remember the old saying “if you’ve got your health you’ve got everything?”

That seems to be the prevailing attitude among baby boomer Middle Americans when it comes to retirement.

For all the concern about having enough money in retirement, it is declining health that middle income Americans worry most about.  Concern about health is four times more than having enough retirement savings (10%) or outliving your money (9%).

Here are 5 tips for baby boomers to tackle those longevity worries.

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Good News for Seniors on Medicare Plan Rates for 2014

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Tags: Medicare advantage plans, Medicare Advantage rates, Medicare Part D

Medicare Advantage and Medicare Part D policy holders can look forward to stable rates in 2014.  That’s good news for consumers since just weeks ago the federal government said it might be paying health plans less which could have meant a substantial increase in premiums paid by consumers in 2014.

There is also good news also for Part D prescription drug plan members as deductible and out of pocket limits decrease in 2014.  And the costs of drugs in coverage gap, known as the “donut hole,” expands in 2014.

Here’s a rundown of what you can expect to see in Medicare Advantage and Part D coverage for 2014 when the annual enrollment period begins Oct. 15:

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