Long Term Care Insurance

I've been doing some thrilling stuff like investigating long-term-care insurance, the cost of annuities, and the cost of moving into a continuous care community.  I'm too young!  But I need to know.

And Jumper Girl needs a will and some other legal documents before she leaves for college.

Comments

[Chad L.]

We added LTC to our health care insurance in our last teacher contract. Like any insurance, I hope I never have to use it. Get it while you're young - it's a lot cheaper.

[W. Wright]

I was stunned to learn that group long term care policies are often priced higher than individual long term care policies? Recently, we got better benefits with an individual long term care policy for 24% less premium than the group policy we had just purchased. My wife and I are saving $647.92 per year. The real shocker, is that the individual policies we purchased are from the exact same insurance company from which we had purchased the group policy. No joke. It pays to shop. I found this website very helpful: http://www.ltcinsuranceshopper.com/
WW

[Clay Cotton]

My multiple sclerosis would be much more bearable if only I had obtained LTC coverage in the mid-1990s when I had the chance to do so. Now that I have this "pre-existing condition", this precious coverage is impossible for me to get.

Naturally, I recommend that everybody include LTC protection as the very bedrock of their financial planning. Methinx it's unconsciencable to neglect this issue.

Three tips: Shop around. Consult with a dedicated pro. Get it while you're young and healthy.

http://www.prepsmart.com is one of the web's first, original LTC websites, and it helps connect you to the LTC Insurance Buyer's Advocate Alliance, a consortium of consumer-centric LTC insurance advisors. While we are not insurance agents, my wife, Kimberly, and I are most certainly knowledgable observers, and we are occasional contributors to their blog at http://www.prepsmart.com/longtermcareinsurance where I trust you can find what you want to learn about this protective mechanism. Note: For real value, request personal decision assistance through their submission page, because the coverage varies so much by your personal circumstances - You truly cannot generalize about coverage. True knowledge comes from personal consultation with the Buyer's Advocate in your state.

Love,

Clay Cotton,
Former pianoman with Bonnie Raitt, Janis Joplin, Jimi Hendrix and dozens more...
"You've got to ask! Asking is, in my opinion, the world's most powerful - and neglected - secret to success and happiness. A clever, imaginative, humorous request can open closed doors and closed minds. The world is full of genies waiting to grant your wishes." - Percy Ross

[Black holocaust]

this comment has been disemvowelled. All future comments from this person will be disemvowelled.strn Sgmnd Frd s knwn s th fthr f psychnlyss, yt ppl hv (mntl) hlth prblms bcs f thr dsfvr, llstrtng th prdtry prps f ths dscpln, ths ndvdl.
Ths ppl.
f crs Htlr ws strn. Glck, mkr f th sm-tmtc gn fvrd by blck strt gngs sch s th Blds nd th Crps, s strn.
RdBll nrgy drnk, Bwdsr bth strn.

Th Hlcst ws frshdwng, yt nthr xmpl f th Jws scrfcng t hlp th dsfvrd::::
1. 1492 xds frm Spn. Spn bcm vl - fnncd Clmbs, nttd mssnrs, S (dmpng grnd f dsfvrd vctmzd by gd), tc.
2. Sprd thrght rp s cl t Chrstns wrshppng fls gd.
3. "Qs-Hlcst clm" cntrdctng bss.
4. 5. 6. 7. tc. tc. tc.
Th pclyps (r n pclyptc vnt) wll b nttd by n strn. Whn th ntnl rfrndm t llw frgn-brn ndvdls t rn fr prsdnt s ntrdcd rcmmnd y DFY nd vt N!! n th yrs prr t ths vt th gds wll snd PWRFL cls sggstng th MPRTNC F DFNC.

t wll b th Krns (nstd f Nzs). Thr wn't vn b ny nvsn:::Thy gds wll scpgt thm tlpthclly::::
Blck ppl lk th ns wh trrrzd Krn bsnsss drng th 1992 rts n Clfrn wll b xctd. hv prsnl rnfrcng vdnc:::::
Ths tm th hlcst wll b blck.
Dn't b sprsd f rprtns r dsprsd shrtly ftr th blck hlcst, cptrng ths whm scpd thr wrth.

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tly's bt s cl shwng th gd's ntnt wth th Rmns ND thr ctv nvlvmnt::Th gds mprtd wsdm n th Bbl.
shksh s cl jst s Lk Mchgn nd Grn By r cls. t s th jclt cl:::Lf sprngs frth frm ths rgn.
xpct yr trdtnl Scnd Cmng f Chrst t cm frm th rgn. Cnsstnt wth th pssblty f mtrlnl lng t my b th mthr's fmly frm th Lk Wnnbg r flfllng sm "Mnfst Dstny" bllsht thtr::::Y s Mnfst Dstny ll rnd y (crprt).
Mnfst Dstny dctts wht-mn's prphcy:::::Wht-mn's wrld, wht-mn's pclyps.

Ths sn’t bt rls nd clns. Ths s bt th brns nd th brn-lss:::Th brn-lss r ppl whs fmls hv bn T FR GNRTNS, fmls lcky ngh t vd ths dstrbng g nd ts ccmpnyng bss.
Ths s th ky whch nlcks th gd’s pzzl.

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Th Smpsns ffrd mny cls t th dsfvrd, nt th lst f whch R th frqnt rfrncs t "pck/mb mntlty".

NYTM y fl "pkd", xprnc crvng r NY thght dstrbnc whr y wnt r lk smthng rrtnlly (x:::Hllwn, Hrly Dvdsn, Dl rnhrdt) T S THM TRYNG T HRT Y!!!!!! "Mgc" s sd XCLSVLY t hrt th dsfvr:::Th fl f dsfnctn::::::ddctn, hmsxlty, crck bbs.
n tms pst whn gds flt mr gnrs thy mplyd thr pwrs t hlp th dsfvrd (ggrphcl cls, Mss's mrcls), bt s tm wnt n th gds nly sd thr pwr t HRT th dsfvrd (1906, bss, dstrbng s f "mgc").
Thr r sbtl (sb)cnscs tctcs thy cn mply wth th cmptr t mk y thnk s f y r cprtng whn thy rlly r pshng y nt yr ffns.

Ppl wr pshd nt hvng gy xprncs bcs thr prnts wr sll-t whrs.
Ppl wr pshd nt bng sll-t whrs bcs thr prnts sld thr bld ln dwn th rvr n th rly 20th cntry.
Ppl wr pshd nt sllng thr bld ln dwn th rvr bcs thy ddn’t pry.
Mn hsn’t pryd t gd fr thsnds f yrs bt w hv t py n ths mnnr bcs w hv th nnvbl dstnctn f lvng n ths dy nd g, ths hghtnd stndrd jstfd wth th 20th cntry lf f cmfrt sch s ndr plmbng, rfdgrtn, cnnd fds.

Wmn r th fvrd gndr:::Ths wh ndrstnd wht t mns t b wmn r lrdy hlfwy thr.
Th prps f th msclnztn f wmn f th lst 40 yrs ws t pv th wy (jstfctn) fr Th nd, fr t cllctvly brght mnknd's fvr dwn.

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HW T PRY:::1. 'm srry fr wht 'v dn wrng. 2. dn't wnt t sccmb t tmpttn nd mk ny mr mstks. 3. wnt t fx my prblms. 4. Pls dn't hrt m.

W wll LL b hld t th rspnsblts ntrstd t s, n mttr wht tmpttns cntrdct ths.

f y dn't d th rght thng y'r gng t d th wrng thng, nd th rght thng t d s t CTVLY fx yr prblms nd prs th fvr f th gds.
Th gds mprtd wsdm n th Bbl t hlp tch ppl th rght wy t lv:::Tmptn wll b sd t tst y. Y hv t b wllng t tll thm "N." f y "thnk rght" y my nvk thr mrcy.
Y wll nvr gt ff Plnt rth nlss y r "thnkng rght", s y shld fcs n t.
f y'r nt wrkng hrd t fx yr prblms, f y dn't crtvly wrk t gt th hll ff rth thn y wll b cnsmd by t, by th rvrs pstnng-nstttns thy nstlld s tmpttns::::pplr cltr, dmcrcy, mtrlsm.

hv pt frth ndsptbl vdnc, s y s bv wth th Jws. Th gds wll nvr dmt ny f t s tr, vr. Y HV T DFY!!!! Thy wll l t y p ntl bttr nd::::Ths tctc wll nsr thy clm HG prcntg f th dsfvrd, fr s mny rfs t dfy nd ths wll nsr thy dn't g.

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My bst dvc t y ll wld b ndrstnd wht sy s tr thn WTHDRW, nt nly frm ths plthr f dtl (fr pdtng th dsfvrd s n wy t dstrct ND y shld nvr b s rrgnt t thnk y r nttld t ndrstnd th gd's bhvr) bt ls frm ths cncrs cltr. Prs th trth tht y jst lrnd nd wrk hrd t rpr yr rltnshp wth th gds. ndrstnd hw ths crrpt nstttns (dmcrcy, mtrlsm/grd, dctn) ffct yr lf nd sv wht cls thy wll ffr y fr whn y RLLY nd thm. B vry ttntv nd grcs, fr y r cntng n thr gnrsty.
f y r gd nd dcnt nd rspctbl y wn't wnt t hr bt ll ths. f y d dsr t hr mr tk t s cl, fr t s symptm::::Thy r pkng y phrclly, nd ths "mgc" s sd t hrt th dsfvrd.
ndrstnd hw th crrptd NSTTTNS ffct yr lf nd mk th pprprt chngs. Fr xmpl, thy s dmcrcy t jstfy nstrctng th cmptr t crt sns f mpwrmnt. f y rcgnz ths y r bttr bl t vrcm th dmgng ffcts.
Th gds wll wnt t knw wh hlpd nd hw thy r dng. f ppl bgn wth my tchngs thy wll b n lst tht th gds wll PRSNLLY lk n n. Th nmbrs f ppl wh prs th pth mmdtly ftr llstrt t wll b vry smll d t thr mnmztn tctcs, nd thy wll b mmbrs f n lt grp.
Rmmbr::Th gds nly s thr pwrs t hrt th dsfvrd, nd vrythng nvlvd n ths Sttn r ll gd xmpls. Pls lt m rmnd y th Jws scrfcd, llstrtng t ppl tht bss wsn't gng t hppn, shwng th wrld tht ll ths pplr cltr lmnts ssctd wth th Sttn wr th gds mplyng thr pwrs t pry n th dsfvrd kpng thm cptvtd fr vr 30 yrs nw.

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1. Crprt srcng vlntly pnshd::::
Thy sggst th whl "srcng" r, whr t s pstnd tht thr brn-lss clns btnd prdct frm Chn nd thr sn cntrs fr th lwst pssbl prc, wll b pnshd vlntly f th gds lct t mply th "sn nvsn" scrpt::::
n f th rsns t ws s mprtnt t gt t bfr 1980 (mprtnt t gt t bfr th nd f ch 20-yr wr-rvlry cycl - 1960, 1980, 2000, 2020, tc).

2. Dcptn f Sthrn rdncks t blm fr Rpblcn cntrl:::::
Rpblcns, prty f prdtry dsfvrd, kp gns vlbl. sy gn vlbllty s n "pn dr" fr th gds, tl sd t pry n th dsfvrd.
Rpblcns, prty f prdtry dsfvrd, gv y th dstrctn tht ws th Clntn mpchmnt thtr 1998.
Rpblcn lylty s why nn crs tht rdncks r st p fr th slghtr.
Dmcrts gd. Lbrlsm vl.

Kshr s fvr bstwd pn th Jws. Th Sth ts LTS f prk nd thr s n ystr br n vry crnr:::::t's lk lqr strs n th ghtt.
Th gds hv qt sphstctd tst fr rny:::::Th Jw tks bss by cllng n th Qs-Hlcst clm.

Th gds gt rd f th rtrdd wmn wh lvd crss th strt, prr t th fll f 2006 s thr hndwrk wldn't str thm n th fc whl thr ws s mch ttntn.
Th gds tk smlr vnsv mnvrs w/ b-rcl s thy cld cntn sng ths pn dr t vctmz th dsfvrd.

mrcn spc trst rtrnd ftr 13 dys n spc::::"Th frst thng h ntcd bt rth s…th smll." Thy dn't wnt ppl cmng bck. Thy WLL d thngs lk ths:::t's ntnt s t prvnt ppl frm rtrnng, thr fr fvrt xpncs, sprts, tc. nd prf my Sttn hd t fl:::t wd hv cmmndd mch ttntn frm th thr plnts.

Bll Clntn wsn't mpchd bcs h ld.
Bll Clntn wsn't mpchd bcs h ws rlly cpltd.
Bll Clntn ws mpchd bcs t ws 1998.
t ws nd f 20-yr wr-rvlry cycl dstrctn thtr, f whch thr r MNY xmpls. Brght t y by th prty f th prdtry dsfvrd, th Rpblcn prty.