There are Only Five Basic Elements a Consumer Needs to Know About Long Term Care Insurance Policy Design
New Braunfels, Texas (ContentDesk via ContentDesk Direct) June 15, 2006 -- There are only five basic elements to understand when you consider the purchase of a long term care insurance policy. These elements will help consumers design a policy that provides meaningful protection, whether they need care and make a claim soon after purchase or decades in the future.#1 Daily BenefitThe daily benefit is the limit that the policy will guarantee to pay you for covered services once your claim is approved. Most insurance companies define the value of a LTC insurance policy by multiplying the daily facility benefit by the number of days in the benefit period. A policy with a $200 daily facility benefit, and a three-year benefit period (3 years x 365 days = 1,095 days), is worth $200 x 1,095, or $219,000.
This is often called the pool of money.#2 Inflation ProtectionToday's cost of care is only a benchmark, because the cost of care will inevitably increase.
Purchasing a policy with inflation protection is, therefore, very important.
Baby boomers may not make a claim against their LTC insurance benefits for 30 years.
Five percent compound inflation protection is the best inflation protection available, and is highly recommended.
A policyholder must self-insure (pay for) any shortfall between an insurance policys benefit and the actual care cost. #3 Elimination PeriodThe elimination period is similar to a deductible; it's the number of days before the policy starts paying a benefit.#4 Benefit PeriodThe benefit period is the number of years that the policy will pay, once the elimination period has been satisfied.#5 Return of PremiumWhat happens when LTC insurance premiums are paid for years, and a policy is never used?
You can purchase a policy with a return of premium provision.
Return of premium terms vary among contracts.
A traditional return of premium rider refunds, at death, total premiums less claims, and some return premium regardless of claims. Knowing that premium payments can be refunded is reassuring to many consumers.The purchase of LTC insurance involves buying a pool of money to pay for long term care.
Don't get distracted.
Focus on
the five decisions above to design a policy that meets your needs and circumstances.
For more information go to www.securityadvantageltc.com.Republic Marketing Group, Inc., of New Braunfels, TX, is the national marketing organization for
Security Advantage" long term care insurance.
This policy has two valuable riders.
The Maximum Lifetime Benefit Accelerated Rider
(called the "Acceleration Rider") offers younger claimants, with less-than-lifetime benefit periods, immediate access to the inflation-adjusted amount of money the policy would be worth at age 85.
The Return of Premium Rider gives policyholders the choice to either: cancel the policy before age 75, and receive premium dollars, net of any claims paid, back; or keep the policy, adding their premiums paid to their benefit pool.Agents may get more information on Security Advantage" Long Term Care Insurance by calling 20+ year LTCI industry veterans Ron Hagelman (830-620-4066) and Barry Fisher (818-489-1839).
Product is not available in all states.
Limitations and exclusions apply. Underwritten by Loyal American Life Insurance Company?..
Courtesy Coaching for Homeschoolers--A Special Offer for Families
Most families who have made the decision to homeschool are, by their very nature, adventurous educators who are always looking to enhance the lifetime learning of their children by trying new teaching methods and materials.
Earlier in 2004, Cyndee Harrison, founder of A Little Grace and Charm solicited input from experienced homeschooling parents in developing a curriculum which is customized to meet the unique needs of homeschooling families.
In a statement released today, her company invites homeschooling families to be a part of the product launch and PILOT these materials in their home at no cost or obligation to purchase further materials.
"We simply ask that families provide us with honest feedback that will help us continue to improve this new curriculum for other families.""The needs of the homeschooling family are unique from any arena that we've approached thus far, so we're obviously depending heavily upon input from the experts--the parents themselves."...
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Orlando Accommodation - Vacation Rentals
As a family, we have been visiting Orlando since 1998, where we have stayed in numerous hotels on the US192 in Kissimmee. Anyone who has visited Orlando will know that there is never a shortage of affordable and clean accommodation in this area. We decided to spread our wings a little and make the most of our holidays in Florida. So our third trip involved renting a private villa. Now to some, this may not appeal, but let me tell you something, this is a resource that is not given justice that it deserves.
Most are located in small communities along the main areas of Orlando close to Disney World. The first villas we ever heard of were in an area called Lake Buena Vista, but since then have spread rapidly to other popular areas along the US27 and the US192. All are within an easy drive to all the major attractions that Orlando has to offer. New villas offer more than ever before. Take a look http://www.orlandovillas4u.co.ukSome of the communities are gated and so you need to be...
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The Dominant EyeEverybody thinks you need to put your cue under your dominant eye or under your chin. But where does Keith McCready and Earl Strickland fit in then? If this were the case, I guess they might need to give back their world championships. Neither Keith nor Earl hold their cues underneath their "dominant eye." Keith and Earl, of course, are not the only players who hold their cue in a place other than their "dominant eye," or chin. The dominant eye is only good for the length of your arm. After that length, both eyes must work together to give you true precision in aiming.Hit the Ball and Then Follow ThroughIf you hit the ball, it's gone.
What good is follow-through going to do? The ball has already left the tip of your cue. What would a baseball batter do if he hit the ball mid-swing, and THEN finished his swing. What would he have? A bunt, right? How about a golfer: if a golfer hits the ball, and then he decides to finish his swing and follow through?...
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Come Vacation in Wet and Moldy Oregon, Says an Irreverent New Travel Website, theRealOregon.com
Creswell, Oregon (ContentDesk) May 18, 2006 -- Most travel-related sites you find on the web are filled with color photos of vacationers lounging by turquoise swimming pools or playing golf under clear blue skies.A new website launched this spring, theRealOregon.com offers its visitors black and white photos of rainy days, windswept beaches and the vast empty expanses of eastern Oregons sagebrush-filled high desert country. Were not here for folks whose idea of a great time is visiting the factory stores in the morning and sitting around by the hotel pool getting sunburned in the afternoon, says creator Bob Keefer, an award-winning newspaper writer who has lived in and written about Oregon for more than 20 years. Our visitors are much more likely to get up at dawn to go listen to birds sing in a desert marsh than they are to sit by a swimming pool. Theyd rather have dinner at a waterfront fishermans dive than sit and be uncomfortable at a four-star restaurant. TheRealOregon.com...
Come Vacation in Wet and Moldy Oregon, Says an Irreverent New Travel Website, theRealOregon.com
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Do You Make These 7 Poker Mistakes?
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Here are the seven mistakes to avoid:1. Getting Too Emotional2. Focusing Too Much On The Cards3. Folding Instead Of Checking4. Trying Too Hard To "Fool" The Opponent5. Being Too Consistent6. Not Adapting To The Skill Level Of Others7. Not Getting Help.1. Getting Too EmotionalDon't let your emotions come out at the card table!It's easy to get "into" the game, but you've got to practice self-control!By staying cool, calm, and disciplined, you'll be able to concentrate on your strategy and winning the hand.2. Focusing Too Much On The CardsRemember, poker is about the PLAYERS rather than the HANDS.
Sure, what cards you have is definitely important, but the only way to consistently WIN Texas Hold 'EM poker is if you are able to "read"...
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Online Gaming and Natural Supplement May Eliminate Depression in Teenagers
(ContentDesk) March 9, 2006 -- Parents with teenagers battling against depression may have new hope in reaching and helping their child. A new approach to beating the blues has been launched in the form of online gaming. Now mixtures of cyber and natural treatments have been adopted by mental health experts in Australia. It's no replacement for counseling, says psychologist Ann Wignall, but it comes as close as an online tool can get to being a way to challenge unhelpful beliefs. Some (teenagers)...
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Good News for You! National Home Foreclosure Rates Rising Fast!
In August of 2006, more than 115,000 U.S. properties entered the foreclosure process. That's 24% increase over July 2006, and a 53% increase in the span of a year. Many experts cite rising federal interest rates as the cause.
Now is the time to jumpstart your real estate investing career!
You may wonder why a time when more home- and property-owners than ever before are losing their shirts is a good time to get into real estate investing. If you read on, you'll see...
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Maintaining a healthy weight is important for a leading a healthy life. People who have excessive weight are always mocked at. Obesity open doors to many health diseases such as high blood-pressure, diabetes, arthritis, heart diseases and hypertension. Those with a high body mass (BMI) are considered are considered to be at the edge of developing serious health problems. BMI is calculated by dividing weight (in kgs) with height (in mts).
People who have a BMI of 27 or more are assisted...
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