Losing Your Hearing
A common issue that comes with aging is losing your hearing. At some point or another this will happen to everyone whether it’s gradually or suddenly gone.
People over the age of 65 are estimated to experience hearing loss and half of those people over the age of 75 will have extreme hearing loss. When you are having trouble with hearing you will face many challenges such as not being able to understand what someone is saying to you, difficulty hearing doorbells or warnings, trouble with carrying on a simple conversation. Often at[…]
Avocado Health Benefits
Avocados have many health benefits like fighting against obesity, heart disease, and diabetes. According to researchers at the Mashhad University of Medical Sciences, eating avocados everyday will help to lower a person’s risk of developing metabolic syndrome.
Metabolic syndrome is a group of conditions that increase your risk of heart disease, stroke, blood pressure, weight gain, and type 2 diabetes. People who have metabolic syndrome are at a higher risk than most for developing heart diseases and diabetes. This condition is characterized by blood sugar and high cholesterol levels, high blood pressure[…]
Is Public Long Term Care Insurance about to happen?
The nation’s first publicly-funded Long Term Care Insurance program may soon be approved. The Long Term Care Trust Act if passes through the Senate and onto a law will have Washington workers pay into a trust that eventually would allow them to receive benefits.
The Long Term Care Trust Act would provide a maximum benefit of $36,500 for people in need of assistance with three activities that they are no longer able to do on their own. These activities include bathing, transportation, putting on clothes, eating or preparing meals and using the[…]
DNA Testing for Long Term Care Insurance
When applying for Long Term Care Insurance it is common for Insurers to take a genetic test when you are applying for Long Term Care Insurance. They can technically choose to offer you coverage off of the results of your DNA tests as well.
The Federal Genetic Information Nondiscrimination Act prohibits health insurers from asking for or using your genetic information to make decisions about whether to sell you health insurance or how much to charge. When applying for Long Term Care Insurance insurers like to review your medical history and go[…]
What qualifies me for Long-Term Care Insurance?
When purchasing Long-Term Care insurance a lot can factor into the process of being qualified. Just because you are able to afford LTC doesn’t mean that you will qualify for approval. Here are a list of qualifications:
-You are in relatively good health
-Average approved applicant age: 50’s or younger
-You are unable to perform at least two daily activities
-You require substantial supervision
There are also a list of conditions that automatically hinder you from getting approved for Long-Term Care insurance. Here is a list of conditions that would prevent you from qualifying:
-AIDs or HIV infection
-Alzheimer’s Disease
-Amyotrophic Lateral Sclerosis (ALS)
-Cystic Fibrosis
-Dementia
-Hemophilia (other than Von[…]
Smart Numbers-Crunching the numbers on Long Term Care Insurance
There are few of Americans out there with any kind of financial savviness that don’t have some kind of retirement plan, if not a whole portfolio of plans and resources for preparing for the twilight of your life. We pack money away in 401ks and other retirement plans, we invest and save, and we do everything we think we’re supposed to do to ensure that we can have a peaceful and financially-secure retirement. But, one piece of the puzzle that[…]
Reviews of each company’s financial stability ratings, claims experience, and size.
A side-by-side comparison of each company’s policy features. We cover the similarities and the differences.
Price comparisons customized to suit your specific needs from top carriers such as Nationwide, Thrivent, New York Life, National Guardian Life, Mutual of Omaha, and more.