Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Long-Term Care/Long-Term Care Insurance

Related Long-Term Care/Long-Term Care Insurance Topics

Estimating Retirement Medical Expenses

Medicare/Medigap Insurance

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the-latest-in-long-term-care-insurance

The Latest in Long-Term Care Insurance

Turmoil still roils the long-term care insurance industry. Many consumers probably will continue to see steep premium increases as in recent years, and there will be changes in coverage under new policies. But there also is good news, and buyers can take steps to make long-term care insurance more affordable without giving up coverage they […]

how-to-make-health-care-directives-work

How to Make Health Care Directives Work

Most advanced health care directives are not followed by doctors and loved ones. Studies consistently show that is the case, for a host of reasons. In last month’s visit we discussed why you need more than a living will in your estate plan to cover health care decisions. This month, let’s look at the steps […]

your-home-and-long-term-care-in-one-package

Your Home and Long-Term Care In One Package

More and more retirees are looking to solve their housing and long-term health care needs in one move. They are moving into facilities called continuing-care retirement communities, or CCRCs. These also are known as living-care communities. A CCRC has several types of living and health-care facilities in one community. Usually there is an independent living […]

the-new-private-medicare-plans

The New Private Medicare Plans

The sales pitches are back, enticing seniors to join HMOs and other private health plans. Congress has changed the law again, this time to encourage firms to offer these alternative plans to regular Medicare. In 1997 Congress reduced reimbursements to Medicare HMOs and other private Medicare plans. As a result, many HMOs stopped participating and […]

how-to-maximize-retirement-community-deductions

How to Maximize Retirement Community Deductions

A portion of long-term care expenses are deductible as medical expenses. The question taxpayers often ask is what portion of the fees paid to retiree communities, such as assisted living facilities or nursing homes, can be deducted. The Tax Court recently stepped into this issue and set some new rules. When someone enters a nursing […]

long-term-care-insurance-worth-the-cost

Long-Term Care Insurance: Worth the Cost?

Insurers frequently lament that only 1% to 3% of those in the logical market for long-term care insurance actually buys that insurance. Their view is that most Baby Boomers are engaged in short-term thinking and that the nation will have a severe fiscal crisis as it tries to finance care for aging long-term Boomers. Consumer […]

new-risks-in-health-care-insurance

New Risks In Health Care Insurance

Rising insurance premiums and medical expense are well-known risks in today’s health care market. Premiums for all types of insurance have been rising at double-digit rates for a few years. The latest data estimate premiums will increase by about 14% this year. In addition, individuals pay a higher share of medical expenses than they did […]

evaluate-long-term-care-policies

How to Evaluate Long Term Care Policies

Few financial transactions are more complicated than buying long-term health care insurance. Also, few single transactions have potentially greater and longer-lasting consequences. We’ve covered the basics and more in past visits, most recently in June 2002 (available on the web site Archive). Let’s take a look at the next level of issues you are likely […]

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