J.K. Lasser's Choosing the Right Long-Term Care Insurance (J.K. Lasser--Practical Guides for All Your Financial Needs)

J.K. Lasser's Choosing the Right Long-Term Care Insurance (J.K. Lasser--Practical Guides for All Your Financial Needs)

Benjamin Lipson

Language: English

Pages: 288

ISBN: 0471152056

Format: PDF / Kindle (mobi) / ePub


A PRACTICAL GUIDE TO THE COMPLICATED ISSUE OF LONG-TERM CARE INSURANCE

"Next to buying the right long-term care insurance, buying and reading J.K. Lasser's Choosing the Right Long-Term Care Insurance is the best investment seniors and their families can make to help insure independence and dignity in their golden years."
-Scott Harshbarger, President and CEO, Common Cause

"An indispensable book for all those concerned that the cost of health care will rob their old age of dignity and independence. The author, Ben Lipson, an articulate advocate of patient rights and an authority on health insurance, provides a lucid road map in a terrain mined with hokum."
-Bernard Lown, MD, winner of the Nobel Peace Prize

"Long-term care insurance is a much-needed and valuable insurance concept, marketed in a maze filled with smoke and mirrors. Most of what passes for consumer guidance is just general information and superficial advice. But Ben Lipson's book takes you by the hand, leads you through the insurance labyrinth, and shines a much-needed light on the product."
-Charlie Sabatino, President, National Academy of Elder Law Attorneys

Critical coverage will help you:
* Decide whether you are among the 40 percent of people who do not need to buy long-term care insurance
* Receive the benefits you purchased when you have to make a claim
* Distinguish between fact and fiction during a sales pitch

J.K. Lasser--Practical Guides for All Your Financial Needs
Please visit our Web site at www.jklasser.com

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be used to promote patient advocacy and patients’ rights within health care and insurance bureaucracies. The Fund will support physician training through seminars, lectures, publications, and other sources for physician and staff awareness. My daughter, Marjorie, was fun loving, smart, athletic, and popular. Her mother, sister, nieces, and I will always miss her. We choose to remember her in life, not in her illness. We are happy to support the well-being of other patients through the work of the

declined if you’ve had multiple or recent fractures. If you break a bone, you may need general anesthesia, too, another high-risk factor, especially for seniors. Bone and joint diseases raise concerns about osteoporosis and arthritis, among other conditions. Either can cause fracture; and prednisone, commonly used to treat rheumatoid arthritis as well as respiratory disease, may cause bone damage if taken in high doses. Cancer is considered by type. MetLife will sell a policy to a client whose

to have handy. What’s the interview like? Let’s look, first, at the setting. A face-to-face interview always take place in the applicant’s home at a time of his or her choosing. How long it takes is a direct function of the applicant’s presenting conditions. One examiner told me that for “someone who works every day, and they’re out playing golf,” the meeting may last 30 minutes. But “someone with a lot of medical background or medical problems” requires that the examiner spend as long as 45

clients to send you the bills for their long-term care.” Financial planners, at the least, should follow industry suitability standards and advise clients with assets between $500,000 and $1 million that they might find themselves spending down their assets to pay for their own long-term care, and that’s not considering inflation costs or the potential for catastrophic need. Financial Planning Organizations When you visit a financial planning organization, there is at least no ambiguity about who is

insurers, care managers are free to gather many options and to discuss them with the client and his or her family. The independent care manager can be on the scene, acting as the eyes of family members who live far away. Since they live locally, these care managers can check on the patient with some regularity, so that family members aren’t taken by surprise by catastrophe. Are there drawbacks to hiring an independent care manager? You have to pay them, for one thing. Granted that you’ve also

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