Sunday, February 5, 2012



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Gov. Ritter's Most Lasting Legacy Could Be Expanding Health Care Coverage

by New Jersey Long Term Care Insurance

Gov. Ritter's most lasting legacy could be expanding health care coverage Gov. Bill Ritter will forever be linked with wind farms and the "new-energy economy" that was his mantra. Read more on Denver Post Tags: gov bill ritter, health care coverage, coverage, denver post, wind

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Getting Ready for Long Term Care Insurance

by New Jersey Long Term Care Insurance

Battling with old age is arduous as your body weakens and your mind deteriorates. You won't be able to perform activities like normal adults, and you are dealing with death every time you digress all the things that are happening to you now. Another thing that makes you uncomfortable is the cost of care that [...]

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Elimination Period in Long-Term Care Insurance

by New Jersey Long Term Care Insurance

Elimination period in long term care insurance is commonly referred to as deductible, or "waiting period" that the coverage starts to pay out the benefits. These are the number of days that the policyholder must pay out of his or her own money before the insurance takes over. This so-called deductible works the same as [...]

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Rand Paul Calls Medicaid 'Intergenerational Welfare'

by New Jersey Long Term Care Insurance

Rand Paul Calls Medicaid 'Intergenerational Welfare' What's Your Reaction? FRANKFORT, Ky. — Republican U.S. Senate candidate Rand Paul says Medicaid has turned into "intergenerational welfare," saying coverage has spread beyond those truly in need. Read more on The Huffington Post Tags: Rand Paul, United States Senate, Health Medical Pharma, huffington post, U.S. Senate, Social Issues, [...]

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Is It Worth Chosing the "Compounded for Inflation" Option When Buying Long-Term Care Insurance?

by New Jersey Long Term Care Insurance

Our employer is offering unum ltc insurance at a group rate. For a 47 year old, 4 yr coverage @ 4k, monthly premium is $20.30. When I chose the compounded option, monthly premium jumps to $59.10. I called they company and they said it is compounded at 5% per year. My other thought was to [...]

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Is Long-Term Care Insurance Worth It?

by New Jersey Long Term Care Insurance

Many people are unwilling to purchase long-term care insurance (LTCI) until much later in life - in their 80s rather than in their 50s, say - but a host of recent articles have been turning up in everything from senior care trade publications to small local dailies, which touch on the subject of the LTCI [...]

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What to Look for in a Long Term Care Insurance Policy?

by New Jersey Long Term Care Insurance

Buying long term care insurance is a serious decision, so be extra careful in deciding the type of policy and what it covers. Insurance companies have different definitions of some terms of services that make it quite confusing and vague for policyholders. For instance, there are companies that define "disability" as a condition that makes [...]

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Simple Ways to Cut Your Long-Term Care Insurance Premiums

by New Jersey Long Term Care Insurance

Long term care insurance is a serious investment that entails time and planning. Premiums may be costly, but it is more practical to purchase LTC insurance than resort to paying out-of-pocket expenses. Good news is you can get discounts and save from premiums in these easy steps: Good Health Equates to Great SavingsIf you have [...]

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Things You Should Understand About Long Term Care Insurance

by New Jersey Long Term Care Insurance

No one can escape old age, unless you die young. Long term care insurance is our most powerful defense when our age starts to wither and our bodies continue to shrink. Long-term care insurance can be absolutely expensive, but its cost pays off the most important part of ourselvers --our welfare and health. Why is [...]

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Health Care on Less Than You Think: The New York Times Guide To

by New Jersey Long Term Care Insurance

From bestselling author Fred Brock, the first ever hands-on guide to managing your family’s health care costs—and maximizing your coverageWith Retire on Less Than You Think and Live Well on Less Than You Think, Fred Brock gained a following with his focus on increasing wealth by decreasing expenses rather than by chasing investment fads. He [...]

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The Insurance Maze: How You Can Save Money on Insurance-And

by New Jersey Long Term Care Insurance

Before You Buy Another Insurance Policy Read this Book!Without proper insurance—health, auto, homeowners, life, disability, or long-term care—an unexpected event can quickly derail your financial plans and put your life savings at risk.Insurance is an essential part of financial planning, but many people are paying hundreds – sometimes thousands -- of dollars more than they [...]

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The Guide to Long Term Care Insurance

by New Jersey Long Term Care Insurance

When you think about long-term care insurance, you want to consider a few questions. First, you want to decide if you truly need this type of coverage. Next, you want to consider what the plans will cover. In addition, you want to compare the costs and the benefits of taking out long-term care insurance. [...]

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Why Should You Buy Long Term Care Insurance?

by New Jersey Long Term Care Insurance

Long Term Care Insurance has been around since the beginning of the national Medicare program. However, as one can imagine, things have changed dramatically since then. Long Term Care insurance now covers a wide range of services, including nursing home care, care in assisted living facilities and adult day care. As one approaches an older [...]

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Concise Encyclopedia of Insurance Terms

by New Jersey Long Term Care Insurance

The purpose of the book is to provide insurance practitioners, consumers, and students with definitions of common insurance terms in both the property/casualty and life/health insurance industries. The unique feature of the book is that many of the definitions contain detailed explanations of coverage provided by certain types of insurance and/or examples that illustrate how [...]

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Employers Brace for Health Care Reform-Related Cost Increases but Remain Committed to Subsidizing Employee Coverage

by New Jersey Long Term Care Insurance

Employers Brace for Health Care Reform-Related Cost Increases but Remain Committed to Subsidizing Employee Coverage Retiree Medical Coverage Expected to Fall Sharply, According to Recent Towers Watson Survey read more Read more on SYS-CON Media Tags: Subsidizing, coverage, Increases, ReformRelated, Read, Brace

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Long Term Care Insurance: What Should I Know?

by New Jersey Long Term Care Insurance

Long term insurance coverage is part of a plan leading to a financially stable and safe future in case of a long term care event. However, if you do not have any provisions in place, then you should begin to look into LTC insurance to help make your life, and the lives of your family, [...]

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LongTerm Care Insurance Who Really Needs It

by New Jersey Long Term Care Insurance

Most of us secure insurance for house, car and properties, but we oftentimes overlook the most important investment for our retirement: long term care insurance. Only few people care of buying long term care insurance, and the rest are confident of using their lifetime savings at any means.  This sparks the question: Who needs long [...]

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What Is LongTerm Care Insurance and Precisely How May It Help You

by New Jersey Long Term Care Insurance

As people begin to live longer, long-term care insurance coverage becomes more important. Long-term care insurance helps present for the cost of lengthy-time period care which could be incredibly expensive. It is used to cowl these points which can be typically not coated by medical insurance, Medicare, or Medicaid. There's often some confusion about what [...]

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New: A Hybrid Annuity With LTC Coverage

by New Jersey Long Term Care Insurance

New: a hybrid annuity with LTC coverage One of the things that can discourage people from buying long-term-care insurance is the idea of paying a lot of money for a policy that with any luck they'll never have to use. Read more on Bankrate.com Tags: long term care insurance, coverage, Read, LTC, hybrid, hybrid annuity

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How to Sell Long-Term Care Insurance: Your Guide to Becoming A

by New Jersey Long Term Care Insurance

The 3rd Edition illustrates successful people-centered, long-term care strategies in wake of today s challenges strategies that sincerely benefit clients while increasing the marketing potential and profitability for financial and insurance planners. Authored by Jeff Sadler, an expert in disability and long-term care coverage with an insurance career spanning more than 30 years. While most [...]

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