Download J.K. Lasser's choosing the right long-term care insurance by Benjamin Lipson PDF

By Benjamin Lipson

ISBN-10: 0471152056

ISBN-13: 9780471152057

ISBN-10: 047127349X

ISBN-13: 9780471273493

A realistic consultant TO THE complex factor OF long term CARE INSURANCE

"Next to purchasing the precise long term care coverage, procuring and studying J.K. Lasser's selecting the best long term Care assurance is the easiest funding seniors and their households could make to aid insure independence and dignity of their golden years."
-Scott Harshbarger, President and CEO, universal Cause

"An quintessential ebook for all these involved that the price of future health care will rob their outdated age of dignity and independence. the writer, Ben Lipson, an articulate suggest of sufferer rights and an expert on medical insurance, presents a lucid highway map in a terrain mined with hokum."
-Bernard Lown, MD, winner of the Nobel Peace Prize

"Long-term care assurance is a much-needed and important assurance inspiration, advertised in a maze choked with smoke and mirrors. so much of what passes for shopper suggestions is simply common info and superficial suggestion. yet Ben Lipson's ebook takes you by means of the hand, leads you thru the assurance labyrinth, and shines a much-needed mild at the product."
-Charlie Sabatino, President, nationwide Academy of Elder legislation Attorneys

severe insurance may also help you:
* make a decision no matter if you're one of the forty percentage of people that would not have to shop for long term care insurance
* obtain the advantages you bought if you have to make a claim
* Distinguish among truth and fiction in the course of a revenues pitch

J.K. Lasser--Practical publications for your entire monetary Needs
Please stopover at our website at www.jklasser.com

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SKILLED NURSING FACILITY After you have been hospitalized for three days or more, Medicare will pay for your stay in a certified skilled nursing facility. You’ll be funded for only 100 days and only if you were admitted within 30 days of leaving the hospital for the same condition. You’ll also have to pay a daily co-payment for day 21 through day 100. 50. Clearly, Medicare is not the answer to your long-term care. One problem lies in the three-day hospitalization rule. Given the modern emphasis on day surgery, procedures that might have guaranteed you three hospital days 23 CCC-Lipson 1 (1-62) 1/29/02 3:53 PM Page 24 24 ALTERNATIVES TO LONG-TERM CARE INSURANCE are increasingly uncommon.

Unfortunately, the insurance industry has developed elaborate, sometimes deceptive mechanisms for measuring a potential buyer’s cognitive abilities, quickly eliminating those who appear to be poor risks. The industry’s official diagnosis of Alzheimer’s is a fuzzy one. Read further for a detailed description of the cognitive impairment test administered by insurance companies and suggestions about how to handle it. Who Gets a Piece of the Action? You may be able to judge a book by its cover; but buying long-term care insurance requires X-ray vision.

In other words, if you apply for benefits in an income-cap state and your income is even $1 over the cap, you simply cannot qualify for benefits unless you arrange to qualify by placing (legally assigning) all your income to what is called a Miller trust. This is a special type of trust allowed under federal law, that will pay out to you no more than your allowable income limit for the particular state and accumulate any excess, which will later be paid to the state on your death. • You will be able to keep your burial plot as an exempt asset, a segregated bank account of up to $1,500 for burial purposes, and most exempt assets married couples are allowed to retain.

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