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THE 2013 COST OF CARE SURVEY

Understanding the latest data and trends in the cost of long-term care (LTC) services is an important aspect of long-term care planning for consumers and LTC insurance professionals. John Hancock’s 2013 Cost of Care Survey can help individuals plan for a possible future long-term care event by providing them with the potential costs. The information […]

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LTC POLICIES THAT WILL COST YOU DOUBLE

By Brian O’Connell Aug. 15, 2013 Purchasing the right long-term care policy at the right price—it’s a difficult task, and a place to provide value to clients. Insurance consumers are paying way too much for long-term care insurance. Data from the American Association for Long-Term Care Insurance says that huge price differentials by big insurance […]

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SHOULD LONG-TERM CARE BE AN ENTITLEMENT?

The elderly have always needed help in their later years. It has come mainly from family members, and this continues to be the case. But today’s family is far smaller and more likely to be geographically scattered than in the past. These trends are expected to become more pronounced. Add in rising numbers of older […]

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7 RESOLUTIONS TO GET YOUR NEST EGG IN SHAPE

Be honest: You’re behind schedule in planning and saving for retirement. Here’s how to get back on track. By Anne Tergesen Still looking for just the right New Year’s resolution to kick off 2013? Try: “Get my retirement plan in order. Before it’s too late.” Chances are that your nest egg and preparations for later […]

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VALUABLE LESSONS ON LTC PLANNING

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LEADING LTC INSURANCE COMPANIES | RATINGS

When purchasing long-term care insurance protection, it is important to make certain that the insurance company you select is both committed to the marketplace as well as being financially sound. The insurance companies identified below have been deemed by the Association as leading long-term care insurance companies committed to the marketplace. Ratings updated December 31, […]

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WHO BUYS LONG TERM CARE INSURANCE

According to Baby Boomer Headquarters (BBHQ.com) over 10,000 people in this country turn 65 every day. This figure will continue to grow over the next 10 years. Many Americans in their 40’s-50’s have either cared for their parents personally, or funded some type of long term care for them. Almost all know of someone that […]

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WHY CONSIDER LONG TERM CARE INSURANCE

The consideration given to protecting your assets as you transition into retirement is crucial to ensure peace of mind-not just for you but for the loved ones that may be responsible for your care. According to the 2006 MetLife Mature Market Report, the national average for a semi-private room in a nursing home is $186/day […]

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BENEFITS OF LONG TERM CARE INSURANCE

Protects your assets -prevents spend down and avoidance of Medicaid (medical welfare) Preserves your Independence – dependency on family that may be responsible for your care is no longer a concern. Tax Deductible – your premiums may be tax deductible, benefits are tax free Access to Care – provides a coherent strategy for your caregivers […]

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ATTAINED AGE BEFORE CLOSE OF TAXABLE YEAR

The IRS has released the 2014 limits (IRS Revenue Procedure 2012-41 (2013 limits) and 2013-35 (2014 limits)): In addition, the per-diem limitation under Section 7702B(d)(4) for periodic payments received under a qualified Long Term Care insurance contract have been increased for 2014 to $330 (the 2013 limit is $320).

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