Is long term care (LTC) insurance right for you? And more to the point, if your premiums rise, how should you respond – by cancelling your policy, adjusting it, or continuing to pay? Because we work with seniors in helping them prepare for retirement, we deal with long term care insurance questions all the time. … Read more
We just discovered this new article on the website of ABC News. The article’s stark conclusion is sadly borne out by our own experience here at AgingOptions: ABC states that at least one-third of Americans over the age of 40 have done no planning of any kind for their long-term care needs. This suggests that … Read more
Here’s a “good news, bad news” pair of statistics. If you’re 65 years old, the odds are excellent that you’ll live about two more decades. That’s the good news. The bad news: the odds are slightly better than 50/50 that at some point you’ll need some form of long term care and support. So the … Read more
Long Term Care Hospitals (LTCHs) are certified as acute care hospitals for patient with serious medical problems that require intense, special treatment usually for more than 25 days. Each year, Medicare sets thresholds for reimbursement for care based on five-sixths of the expected length of stay for a particular diagnosis. The thresholds vary by diagnosis … Read more
In the ‘80s when my grandmother bought long-term care insurance everyone thought she was nuts. Twenty years later, my grandmother’s policy which covered her for unlimited lifetime benefits (a type of policy no longer offered) became useful and continued to be useful for nearly ten years of care as she fought and ultimately lost a … Read more
If you’re 50 or over, you’re likely spending at least some time thinking about buying long-term care policies. These policies pay for care if you need continuing care either at home or in a skilled nursing facility. There’s a 10 in 10 chance that you’ll die someday and a 7 in 10 chance that you’ll … Read more
For years now, I’ve read with some disbelief articles about how the Boomers could expect a giant $27 trillion windfall from their parents. Sure enough, it’s not likely to happen. Part of that is that the postwar generation is pulling an Energizer Bunny and keeps going and going and going. The other part of that … Read more
Are you contemplating retiring abroad? If you are, you will want to consider how such a move might impact your long-term care benefits. According to a recent New York Times article, the number of Americans receiving Social Security abroad has risen 8 percent in the last three years. Some long-term care policies offer less coverage … Read more
Neither Medicare nor health insurance covers traditional “custodial care” despite many people’s beliefs to the contrary. As our population ages, more people are living longer with chronic conditions, increasing the odds that you will be one of the people needing Long-Term Care. With the cost of Long-Term care growing you would think that insurance to … Read more
About 70 percent of Americans will need Long-Term Care at some point in their lives, yet according to the Robert Wood Johnson Foundation only about 7 percent of Americans have Long-Term Care insurance. A CBS News story looked at how those in the middle—not rich, not poor—find themselves without resources for providing care for their loved ones … Read more
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Since the AgingOptions Radio Show first began airing in the Pacific Northwest in 2006, elder law attorney Rajiv Nagaich has been helping people answer some of life’s toughest questions. In this comprehensive anthology, drawn from thousands of hours of AgingOptions Radio Show broadcasts, listen to Rajiv Nagaich answer callers’ questions about retirement planning. His answers are packed with important nuggets of information that will help you create your own LifePlan for retirement. It’s a recording you’ll want to listen to again and again.
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As an elder law attorney, Rajiv Nagaich has spent more than two decades helping older adults and their family caregivers cope with retirement plan failure. Despite doing exactly what their trusted advisors had told them to do—enrolling in Medicare, saving plenty of money, buying long-term care insurance, and creating an estate plan—Rajiv's clients found themselves forced into institutional care, assets lost to unplanned care costs, and a burden to their families. In Your Retirement: Dream or Disaster, you will learn the shocking truth about why this happens—and what you can do to avoid it. This book is a must read if you want to avoid the hidden traps in retirement planning advice that turn life into a living nightmare for 70% of Americans.
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