Providing for adequate health care is one of the top concerns for today's seniors. And yet, many find themselves coming up short when that need is for long term care. With costs skyrocketing and government purse strings tightening, planning for such care has never been more important. Don't let long term care costs take you by surprise. The gap that exists between what seniors need in long term care and what Medicare and Medicaid will cover is huge. Combine that with the proposed Congressional bill restricting Medicaid . More »

As the price of everything goes up growing old gets more costly. Thankfully, we now have some financial resources to make our retirement years more comfortable. One growing solution is long-term care insurance (LTCI). It can be a great financial tool but make sure you understand what you're getting before you sign on the dotted line. Like most insurance policies we don't really know how well it works until we use it. Take a closer look at the fine print if you're considering a long-term . More »

Copyright (c) 2008 Benjamin Glass You think about filing a claim under your employer's long-term disability plan. Everyone has advice. Your friends, co-workers, human resource directors and even your doctors will all be happy to point you in the "right" direction. Unfortunately, even though this advice is always well-intentioned, ERISA law is such a specialized area of the law that most of it is also ill-informed. This is true even when you're getting advice from other attorneys. Even very bright lawyers can lead their clients . More »

Today's seniors are living longer than ever, but as life spans increase, so do the needs for additional care. The majority of today's retirees will need some form of special care as they age, whether that help is delivered in their own residence, in an assisted living facility or at a nursing home. The cost of such care is skyrocketing and many find they are unable to afford it. Our recent series of articles has discussed this situation in great detail, exposing the gap that exists between . More »

Self storage facilities can be rented for the keeping of most types of household items. However, there are certain kinds of hazardous or perishable materials that should not be kept in long-term storage units. These prohibited items may subject the entire facility to an increased risk of fire damage, chemical contamination, or pest infestation. The rental agreement should have a list of all forbidden items, so be sure to check this before signing the contract.

Always check with the owner of the mini storage unit before . More »

Long-term care policy is much useful for people who are suffering from chronic illness and disability. It gives complete coverage right from hospital treatment to at home facilities. These types of policy are much more suitable for the age old people. There are different types of insurance companies provides long-term care Insurance. It offers different types of plans. Selection of the long term insurance is one of the important tasks to get the proper selection of the policy. You must have to visit the companies to get the . More »

It is not surprising that many consumers believe that long term disability insurance is the only type of insurance available. Long term is by far the most common type purchased by consumers as well as the most common type offered by employers and membership organizations. However, there are short term disability insurance polices on the market and they can be useful when needed. This article examines some of the more common aspects between the two types of disability insurance. As mentioned above, this type of insurance is . More »

Long-term care insurance is intended to reduce out-of-pocket costs if someone winds up needing long-term care from a paid provider. Long-term care insurance can pay for a nursing facility or home care, and many policies also cover assisted living, though no policy will pay the full cost of any of these. People usually pay premiums for 20 or 30 years before reaching an age when long-term care is likely.If, like most people, you never need or qualify for the policy's benefits, or you collect benefits for . More »