| Ultimate guide to retirement What is long-term care insurance? A long-term care insurance policy doles out money to help cover the costs of nursing-home care, an assisted-living facility or at-home assistance if you are no longer able to take care of yourself. The allure of long-term care is obvious: It's the rare bird (or baby boomer) who doesn't worry about how he or she will afford care later on. And if you're counting on Medicare, you're out of luck. Medicare doesn't offer extended long-term care coverage. (Medicaid does, but only very low-income retirees are eligible.) Should I buy a long-term care policy? The question of whether to buy is ultimately a question about your financial security. Imagining yourself so frail and vulnerable that you need to live in an institution or rely on a stranger's help is deeply unsettling. If you let an insurance agent frame the decision in those terms, you'll buy a policy in five seconds. Instead of freaking out, focus on the potential financial need. When calculating how much you'll need to save for retirement, you may want to add in enough to pay for several months of long-term care. That way you'll have some assets standing between yourself and Medicaid - and therefore more options. And the more you save, the easier it will be to pay for long-term care insurance if you want it when you're older. If you are already in retirement or close to it, ask yourself whether you have enough assets to bother protecting - and enough to live on in retirement. If you are scraping by, you may be so pinched that you'll have to drop a long-term care policy before you need to use it. Still feeling confused? A good fee-only financial planner - one who charges by the hour for advice - can help you think through this decision and determine whether buying a policy is a good idea for you. Long-term care insurance is very expensive - the annual premium can easily be $2,500 or more a year - and many insurers have jacked up initial premiums by 20% or more over the past decade. What should I look for in a long-term policy? Figure out exactly what your policy will and will not allow. For example, if you buy coverage for home care, will you have to use an agency, or can you hire an independent caregiver? If the policy covers assisted living, does it cover the cost of housing or only the care you receive? Also, ask the agent which facilities in your area the policy would cover - and which it wouldn't. When comparing policies, factor in how many customer complaints each insurer has received. Also, check out the insurer's history of premium hikes. Some state regulators can tell you about those. The fact that an insurer has imposed many price increases in the past, however, does not necessarily mean that it won't raise prices again. And one that hasn't raised rates still might. Finally, you'll have to live with the policy you buy for decades, so choose a financially strong company. Before you purchase a policy, ask the agent to give you the firm's latest financial strength grade from one of the major rating services, such as Moody's Investors Service or Standard & Poor's. An A rating or higher from Standard & Poor's, or an AA ranking or better from Moody's, is a good indicator of financial strengthM |
| What will a long-term care policy cover? It typically gives you payouts if you wind up having cognitive impairment - such as dementia or Alzheimer's - or if you physically can no longer perform some specific "activities of daily living" on your own. We're talking about feeding yourself, bathing yourself and so on. Payouts from the policy will help cover the cost of assistance to help you get through the basics of daily life. For example, the policy can pay for someone who stops by the house for a few hours a day or a few days a week. Or it can help with the cost of a senior day-care facility, an assisted-care setup or full-fledged nursing-home care How much will payouts be? As with all insurance, the payouts you receive are a reflection of the coverage you choose. Bear with us here; it's a bit complicated. When shopping for insurance, you - along with your LTC insurance agent - typically start by figuring out the daily cost of nursing-home care today. Next, you need to decide how many years of that coverage you would like. The bigger the number, the more expensive your policy. As a rule of thumb, the average amount of time spent in a nursing home (among folks who need that type of care) is about three years. Let's say you want to plan for care at $180 a day - the current national average - and you want the coverage to last for four years. That's $180 multiplied by 1,440 days, which equals $259,200. So, in the jargon of LTC, you would choose a policy with a lifetime benefit of $259,200. That doesn't mean you will be limited to drawing $180 a day for four years. Most plans just let you draw on the lifetime benefit: You can draw it down over 10 years or 10 months. That's your decision. All the company cares about is that your total lifetime benefit will not exceed that $259,200. Will payouts keep pace with inflation? Only if you pay for inflation protection - and you should. It is crucially important that if you purchase LTC insurance, you make sure your policy includes an annual inflation adjustment rider. It will do you little good to buy a policy today that has a $180 daily benefit if the cost of care rises to $400 a day or more in the future. The inflation rider will increase your daily benefit coverage by a set amount each year. To protect yourself, buy a policy with a benefit that increases by 5% compounded a year. Be careful: Don't go for "simple" interest. Inflation grows at a compounded rate. In 20 years, a $100 daily benefit would turn into $200 with 5% simple interest. Compounded, the benefit would be $265. How much will a policy cost me? It all depends on how big a lifetime benefit you choose and the level of coverage you want. You can add many different options to basic plans. But, in general, we're talking about an annual premium that will cost a few thousand dollars a year, at a minimum. And you will pay that for a long time: from the first year of your policy all the way through until you start drawing on the policy. That could be 30 years down the line. This is important: You will have to keep paying the premium when you are retired and likely living on a smaller income. If you stop paying your premium at any time, you can lose your coverage, including every penny you paid up to that point. If you doubt your ability to keep paying for the policy through retirement, you probably shouldn't buy it. The National Association of Insurance Commissioners (NAIC) suggests that you spend no more than 7% of your income on premiums. When do I stop paying premiums? When you receive benefits you typically are not required to continue paying your premium. But if you then stop receiving those benefits - say, you needed nursing-home care for just a few months, after an illness - you'll need to resume making premium payments once you are no longer drawing the benefit. |
| GENERAL INVESTMENT STRATEGIES, METHODS, AND TECHNIQUES. A BETTER WAY TO BUILD WEALTH! When it comes to reliable investments, real estate investing is the best wealth-builder in the world. INVESTING / METHOD AND TECHNIQUES TO INVEST IN TODAY'S MARKET FOR A BETTER TOMORROW STOCK MARKET: A WAY TO INVEST AND MULTIPLY YOUR MONEY. THE MARKET HAS THOUSANDS OF COMPANIES TO BUY STOCKS, Mutual Funds, Bond Funds, Annuity. The market in which shares are issued and traded either through exchanges or over-the-counter markets. REITs= REAL ESTATE INVESTMENT TRUST: A GREAT WAY TO INVEST IN REAL ESTATE WITHOUT TAKING A MORTGAGE LOAN FOREX MARKET: THE LARGEST MARKET IN THE WORLD TO INVEST AND GET RICHER IF YOU USE THE RIGHT TOOLS INSURANCE 101: THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE. HOW TO SAVE MONEY ON YOUR INSURANCE PREMIUM? LEARN ABOUT THE 5 INSURANCE POLICIES EVERYBODY NEEDS AND THE 15 INSURANCE POLICIES YOU DON'T NEED. REAL ESTATE INVESTMENT SECRETS REVEALED, REAL ESTATE CAN HELP YOU GET RICHER THE QUICKEST, EASIEST WAY POSSIBLE. HOW TO GET PRE- QUALIFY FOR A HOME LOAN? HOW DOES OWNER FINANCING REALLY WORKS SMALL BUSINESS, METHODS, TECHNIQUES, AND STRATEGIES. Business structures 101. LLP, LLC, S- corp and C-corp: It's not just alphabet soup! A breakdown of what you need to know, in layman's terms. Mortgage Loans Modification: SAVE YOUR HOME, SAVE YOUR CREDIT, REDUCE YOUR MONTHLY PAYMENT, AVOID FORECLOSURE HOME REFINANCE: 10 GREAT REASONS TO REFINANCE A PROPERTY. RATES ARE STILL NEAR HISTORIC LOWS, IT MAY BE A GOOD TIME NOW TO REFINANCE! SOUTH FLORIDA CALL: 786-709-6577 -- WE'RE LICENSED MORTGAGE BROKER AMERICAN BANKING SYSTEM: BANKING HISTORY; GREAT THINGS TO KNOW ABOUT THE AMERICAN BANKING HISTORY BANKING AND FINANCE, COMMERCIAL BANKING: The fundamental functions of a commercial bank during the past two centuries SAVING: THE SECRETS OF SAVING; WAYS TO SAVE A LOT OF MONEY AND GETTING RICHER. 66 WAYS TO SAVE MONEY MONEY MANAGEMENT: Ten Resolutions to Make Your Financial Life Easier. 10 Ways to Avoid Overdraft and Bounced Check Fees THE 16 DAYS THAT SHOOCK THE US ECONOMY IN SEPTEMBER, 2008. A shocking series of events that forever changed the financial markets. AMERICA’S MONEY CRISIS / Bailout 101: What new law says. Here's a rundown of key provisions of the financial rescue plan that United State Senate voted, Wednesday October 1; and the house voted Friday October 3, 2008. FORTUNE, CREATION AND INTRODUCTION: When you invest in stock, you buy ownership shares in a company. Before You Invest; Before undertaking any investment program, it is critical that you assess your current situation and form goals. Evaluating a Stock, Creating an Emergency Fund Trust Account: Definition of a Trust; Land Trust, Living Trust, Revocable Trust. In general, a "trust" is a legal entity that is able to own property and other assets. |
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LONG-TERM CARE INSURANCE
LONG-TERM CARE INSURANCE: What is long-term care insurance? Should I buy a
long-term care policy? What should I look for in a long-term policy?
long-term care policy? What should I look for in a long-term policy?
| The Ultimate Retirement Guide for Everyone; Retire Rich, Retire Early. THE BEST RETIREMENT GUIDE EVER; WHAT ARE 401K, ROTH 401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT SAVINGS PLAN. What is a SEP IRA? What is a SIMPLE IRA? --- SEE BELOW! Long-term care insurance? Is a long-term care insurance policy really provides money to help cover the costs of living if you are no longer able to take care of yourself.? SOCIAL SECURITY RETIREMENT GUIDE. HOW DOES SOCIAL SECURITY WORK? What is the importance and benefits of life insurance in real life, and at retirement age? Pension Plans / IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter? What is Annuity Insurance Investment, Annuity & Pension Insurance? Are Annuities Planning today for a secure tomorrow? |
| Long-term care insurance // KNOWLEDGEFINANCIALGROUP.COM A secure financial future involves protecting your financial independence if you should need long-term care. So it's important to understand how long-term care insurance can help safeguard you if you are no longer able to care for yourself. Plan ahead for long-term care It’s likely you or your spouse or partner eventually may need long-term care for an extended period of time at home, in an assisted living facility or at a nursing home. According to the U.S. Department of Health and Human Services, about 70% of Americans will need some type of long-term care1, Since this type of care is a likely part of most people's lives – and is costly – you may want to incorporate long-term care insurance into your overall financial plan. Contrary to what many people think, healthcare insurance programs such as Medicare, Medicaid and Medigap do not cover all long-term care expenses. KNOWLEDGEFINANCIALGROUP.COM How long-term care insurance can help A long-term care insurance policy offers a variety of choice and riders. If you qualify and have met the elimination period, the policy will pay a specific dollar amount each day you need long-term care, depending on the options you select. This amount can be used toward the care you require, ranging from in-home care, assisted living or full-time resident (nursing) care. Common provisions to consider when selecting long-term care insurance include: Elimination (waiting) period before benefits are paid Duration of benefits Daily benefit Optional inflation rider Range of care Coverage of pre-existing conditions Premium increases during policy period Guaranteed renewability Grace period for late payment Return of premium Prior hospitalization An Ameriprise financial advisor can help you make informed decisions about what works for you, including how much long-term care may be needed, what type of care you prefer, the cost of each option and how much to expect from government benefits. Working with an advisor can help you prepare for future needs so you can focus your energy on what's important now – enjoying life with peace of mind KNOWLEDGEFINANCIAL.COM |
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| Introduction to The Best Nursing Programs RN - TO BSN - TO MSN - TO APRN... AND LONG-TERM CARE INSURANCE: What is long-term care insurance? Should I buy a long-term care policy? |
| Introduction to The Best Nursing Programs RN - TO BSN - TO MSN - TO APRN Imagine you have a Bachelor of Science in Nursing and want to upgrade your education and advance your career, the path is clear. Getting a Master of Science in Nursing (MSN) can prepare you to be a nurse practitioner specializing in one of many fields of nursing care and medicine. Family nurse practitioners (FNPs), midwives, and advanced practice registered nurses (APRNs) all need at least an MSN to practice, and likely state-mandated training or licensure as well. Even if you’re already an RN with a bachelor’s degree, getting an MSN takes work, but the opportunity to specialize, and the advanced skills you’ll gain in a master’s degree program will pay off by giving you more negotiating leverage to get the job you want with an acceptable salary. Since the training required to earn a BSN is applicable to most MSN programs, it doesn’t take long to get from a BSN to an MSN. Some programs can be completed in two years, KNOWLEDGEFINANCIALGROUP.COM However you choose to pursue your MSN, you will expand your knowledge and open doors to several nursing career paths. Our site provides articles about specializations in the field, and links to schools that offer advanced nurse degrees. These schools offer fully accredited programs that can take someone with a BSN to an MSN and beyond, which leads to more opportunities to specialize in the kind of work you love and earn a better paycheck while you do it. LPN to RN Programs If you are presently a licensed practical nurse (LPN) who would like to obtain a higher level of nursing education to become a registered nurse (RN) then a LPN to RN program may be right for you. Sometimes referred to as a LPN to RN bridge programs ----------------------------------------- More Information About The Nursing Degree Programs An advanced degree in nursing translates to increased job prospects and salary figures. Nurses who have obtained a Master of Science in Nursing (MSN) degree will be prepared to lead medical teams in hospitals and other health care organizations. Depending on specialization, graduates can enter private practices as a nurse practitioner or a multitude of other options. There is an increasing demand for nurses with specialized skills and higher degrees, so MSN graduates can expect a positive career outlook. |
| Everything You Need to Know About Nursing Programs To begin working as a registered nurse (RN) or a licensed practical nurse (LPN), you must undergo specific training and pass the NCLEX examination managed by the National Council of State Boards of Nursing. KNOWLEDGEFINANCIALGROUP.COM To enhance your career as a nurse, you may want to obtain a Master of Science in Nursing degree (MSN). Accelerated BSN to MSN programs can provide necessary training to earn a degree within a shorter amount of time. But, why would you want to earn an advanced nursing degree? RNs constitute the largest healthcare occupation, Employment in nursing care facilities is expected to grow because of increases in the number of older persons, many of whom require long-term or continuing care. This boom in employment for nurses is good for everyone involved, but it will increase competition for jobs at the top of the hierarchy. When there is a large pool of bachelor’s degree level nurses, those with master’s degrees will have even higher value, especially if their expertise lies in management or other high-demand skill areas. Nursing Credentials and Course Timelines There are three educational paths to a career as a registered nurse (RN) — a Bachelor of Science in Nursing (BSN), an Associate’s Degree in Nursing (ADN), and a diploma. BSN programs offered by colleges and universities take about four years to complete. ADN programs, offered by community and junior colleges, take about two to three years to complete. Diploma programs, administered in hospitals, last about three years. Generally, licensed graduates of any of the three types of educational programs qualify for entry- level positions as a staff nurse. There are hundreds of registered nursing programs that result in an ADN or BSN; however, there are relatively few diploma programs. A BSN allows individuals to treat and educate patients and the public on various medical conditions. Individuals who obtain a BSN perform a variety of duties, including operating medical machinery, helping perform diagnostic tests and analyzing results, recording patients’ medical histories and symptoms, administering treatment and medications, and helping with patient follow-up and rehabilitation. ------KNOWLEDGEFINANCIALGROUP.COM Why Earn an MSN? The degree program provides advanced training for nurses who wish to open up their own nursing practice, find work as a clinical nurse specialist, or become an educator in the field. Students who complete an MSN degree program acquire essential critical thinking skills and knowledge to apply in a nursing facility environment. The typical MSN degree program is a combination of classes and hands-on experience. If you plan to enter an MSN program, make sure your career goals are in sync with that particular program. There are a dozen or so common specialties for advanced practice nurses, and choosing one that you are interested in can make the difference between thriving and surviving while you’re in school. RNs can enter into master’s degree programs that prepare them for careers in advanced clinical practice, nursing education, research, informatics, and healthcare business management. Advanced Practice Nurse (APN), Clinical Nurse Specialist (CNS) , Nurse Administrator / Manager , Nurse Anesthetist (CRNA), Nurse Consultant Nurse Educator, Nurse Midwife, Nurse Practitioner (NP), Nurse Researcher. Salary Differences While the salary reflects a degree of higher education, it also provides individuals with the freedom to focus on a specialty. If you are an RN with a BSN and if you have a focus that is listed above, you might consider spending two years in an accredited BSN to MSN program to hone your skills in that specialty and make more money as you grow in your career. The graph below shows the range of salaries for RNs in different percentiles. KNOWLEDGEFINANCIALGROUO.COM |
| A Complete Guide to Transferring Your Nursing License to Another State Those with a nursing license who wish to move to another state have options available to them. While states differ on what is required of nurses, those who have graduated from an accredited nursing program can find that transferring a license is not as difficult as getting one. For those interested in pursuing a nursing degree or furthering your nursing career, there are many schools across the country that provide accredited education for nurses, such as the Commission on Collegiate Nursing Education. They approve baccalaureate, graduate, and residency programs in nursing. Another national nursing education accrediting agency is the National League for Nursing Accreditation Commission. You can use their search engine to search by area, institution name, and even program type. One reason national accreditation, rather than regional or state accreditation, is so important is that issues when transferring your nursing license can arise. Another important part of becoming a nurse is the National Council Licensure Examination for Registered Nurses, or NCLEX. It is oftens the standard for many states and demonstrates your competence to future employers. International candidates need to obtain a certification from the Graduates of Foreign Nursing Schools and demonstrate a proficiency in English. Once an education and examination has been passed, it is important to know what the requirements are of the state you wish to transfer your license to. The National Council of State Boards of Nursing is the most comprehensive site with the most up to date information on state requirements for new and transferring nurses. You can get information on your current and future state board, help with the NCLEX, and contact information. KNOWLEDGEFINANCIALGROUP.COM If you have already graduated from an approved nursing program and have passed the NCLEX, check out the site of the state you wish to transfer your license to. They can contain further details for transfer candidates, as well as more advanced guides for their specific requirements. The process usually involves applying for a state license, paying fees, transferring relevant records, identification, and in some cases, even a background check. For example, those wishing to transfer to California as an RN must get what is called “licensure by endorsement.” To qualify, candidates must hold a current and active license in another state or Canada, have completed an educational program meeting all California requirements, and have passed National Council Licensure Examination or the State Board Test Pool Examination. KNOWLEDGEFINANCIALGROUP.COM It is essential to know all the requirements for the state you wish to transfer your license to in order to keep costs dowshorten wait time, and ensure that you get approved for your move. To get a list of contact information, including phone number and name of contact, for the nursing boards in all 50 states and even a few U.S. territories, click here. For convenience, many state boards allow you to do items online, such as fill out applications and send in payments, making the process of applying for an transferring a nurse’s license even easier. Another feature of applying online is the ability to better track your application process so that any snags or problems can be addressed quickly and without incurring penalties. -------------------------------------------------- State Boards of Nursing (US) The most current list of State Board of Nursing Web Sites can be found at The National Council of State Boards of Nursing |
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| State Boards of Nursing (US) The most current list of State Board of Nursing Web Sites can be found at The National Council of State Boards of Nursing Alabama Board of Nursing 770 Washington Avenue RSA Plaza, Ste 250 Montgomery, AL 36104 Phone: 334.242.4060 Fax: 334.242.4360 Online: www.abn.alabama.gov Contact Person: N. Genell Lee, MSN, JD, RN, Executive Officer Alaska Board of Nursing 550 West Seventh Avenue Suite 1500 Anchorage, Alaska 99501-3567 Phone: 907.269.8161 Fax: 907.269.8196 Online: http://www.dced.state.ak.us/occ/pnur.htm Contact Person: Nancy Sanders, PhD, RN, Executive Administrator American Samoa Health Services Regulatory Board LBJ Tropical Medical Center Pago Pago, AS 96799 Phone: 684.633.1222 Fax: 684.633.1869 Online: N/A Contact Person: Toaga Atuatasi Seumalo, MS, RN, Executive Secretary Arizona State Board of Nursing 4747 North 7th Street, Suite 200 Phoenix, AZ 85014-3655 Phone: 602.771.7800 Fax: 602.771.7888 Online: http://www.azbn.gov/ Contact Person: Joey Ridenour, MN, RN, FAAN, Executive Director Arkansas State Board of Nursing University Tower Building 1123 S. University, Suite 800 Little Rock, AR 72204-1619 Phone: 501.686.2700 Fax: 501.686.2714 Online: http://www.arsbn.org/ Contact Person: Faith Fields, MSN, RN, Executive Director California Board of Registered Nursing 1625 North Market Boulevard, Suite N-217 Sacramento, CA 95834-1924 Phone: 916.322.3350 Fax: 916.574.8637 Online: http://www.rn.ca.gov/ Contact Person: Louise Bailey, MEd, RN, Interim Executive Director California Board of Vocational Nursing and Psychiatric Technicians 2535 Capitol Oaks Drive, Suite 205 Sacramento, CA 95833 Phone: 916.263.7800 Fax: 916.263.7859 Online: http://www.bvnpt.ca.gov/ Contact Person: Teresa Bello-Jones, JD, MSN, RN, Executive Officer Colorado Board of Nursing 1560 Broadway, Suite 1370 Denver, CO 80202 Phone: 303.894.2430 Fax: 303.894.2821 Online: http://www.dora.state.co.us/nursing/ Contact Person: Mark Merrill, Program Director Connecticut Board of Examiners for Nursing Dept. of Public Health 410 Capitol Avenue, MS# 13PHO P.O. Box 340308 Hartford, CT 06134-0328 Phone: 860.509.7624 860.509.7603 (for testing candidates only) Fax: 860.509.7553 Online: http://www.state.ct.us/dph/ Contact Person: Jennifer L. Filippone, Chief, Practitioner Licensing and Investigations Section Delaware Board of Nursing 861 Silver Lake Blvd. Cannon Building, Suite 203 Dover, DE 19904 Phone: 302.744.4500 Fax: 302.739.2711 Online: http://dpr.delaware.gov/boards/nursing/ Contact Person: David Mangler, MS, RN, Executive Director District of Columbia Board of Nursing Department of Health Health Professional Licensing Administration District of Columbia Board of Nursing 717 14th Street, NW Suite 600 Washington, DC 20005 Phone: 877.672.2174 Fax: 202.727.8471 Online: http://hpla.doh.dc.gov/hpla/cwp/view,A,1195,Q,488526,hplaNav,|30661|,.asp Contact Person: Karen Scipio-Skinner MSN, RN, Executive Director Florida Board of Nursing Mailing Address: 4052 Bald Cypress Way, BIN C02 Tallahassee, FL 32399-3252 Physical Address: 4042 Bald Cypress Way Room 120 Tallahassee, FL 32399 Phone: 850.245.4125 Fax: 850.245.4172 Online: http://www.doh.state.fl.us/mqa/ Contact Person: Joe Baker, Jr. Executive Director Georgia State Board of Licensed Practical Nurses 237 Coliseum Drive Macon, GA 31217-3858 Phone: 478.207.2440 Fax: 478.207.1354 Online: http://www.sos.state.ga.us/plb/lpn Contact Person: Sylvia Bond, RN, MSN, MBA, Executive Director Georgia Board of Nursing 237 Coliseum Drive Macon, GA 31217-3858 Phone: 478.207.2440 Fax: 478.207.1354 Online: http://www.sos.state.ga.us/plb/rn Contact Person: Sylvia Bond, RN, MSN, MBA, Executive Director Guam Board of Nurse Examiners #123 Chalan Kareta Mangilao, Guam 96913-6304 Phone: 671.735.7407 Fax: 671.735.7413 Online: http://www.dphss.guam.gov/ Contact Person: Margarita Bautista-Gay, RN, BSN, MN, Interim Executive Director Hawaii Board of Nursing Mailing Address: PVLD/DCCA Attn: Board of Nursing P.O. Box 3469 Honolulu, HI 96801 Physical Address: King Kalakaua Building 335 Merchant Street, 3rd Floor Honolulu, HI 96813 Phone: 808.586.3000 Fax: 808.586.2689 Online: www.hawaii.gov/dcca/areas/pvl/boards/nursing Contact Person: Lee Ann Teshima, Executive Officer Idaho Board of Nursing 280 N. 8th Street, Suite 210 P.O. Box 83720 Boise, ID 83720 Phone: 208.334.3110 Fax: 208.334.3262 Online: http://www2.state.id.us/ibn Contact Person: Sandra Evans, MAEd, RN, Executive Director Illinois Board of Nursing James R. Thompson Center 100 West Randolph Street Suite 9-300 Chicago, IL 60601 Phone: 312.814.2715 Fax: 312.814.3145 Online: http://www.idfpr.com/dpr/WHO/nurs.asp Contact Person: Michele Bromberg, MSN, APN, BC, Nursing Act Coordinator Indiana State Board of Nursing Professional Licensing Agency 402 W. Washington Street, Room W072 Indianapolis, IN 46204 Phone: 317.234.2043 Fax: 317.233.4236 Online: http://www.in.gov/pla/ Contact Person: Sean Gorman, Board Director Iowa Board of Nursing RiverPoint Business Park 400 S.W. 8th Street Suite B Des Moines, IA 50309-4685 Phone: 515.281.3255 Fax: 515.281.4825 Online: http://nursing.iowa.gov/ Contact Person: Lorinda Inman, MSN, RN, Executive Director Kansas State Board of Nursing Landon State Office Building 900 S.W. Jackson, Suite 1051 Topeka, KS 66612 Phone: 785.296.4929 Fax: 785.296.3929 Online: http://www.ksbn.org/ Contact Person: Mary Blubaugh, MSN, RN, Executive Administrator Kentucky Board of Nursing 312 Whittington Parkway, Suite 300 Louisville, KY 40222 Phone: 502.429.3300 Fax: 502.429.3311 Online: http://www.kbn.ky.gov/ Contact Person: Charlotte F. Beason, Ed.D, RN, NEA, Executive Director Louisiana State Board of Practical Nurse Examiners 3421 N. Causeway Boulevard, Suite 505 Metairie, LA 70002 Phone: 504.838.5791 Fax: 504.838.5279 Online: http://www.lsbpne.com/ Contact Person: Claire Glaviano, BSN, MN, RN, Executive Director Louisiana State Board of Nursing 17373 Perkins Road Baton Rouge, Louisiana 70810 Phone: 225.755.7500 Fax: 225.755.7585 Online: http://www.lsbn.state.la.us/ Contact Person: Barbara Morvant, MN, RN, Executive Director Maine State Board of Nursing Regular mailing address: 158 State House Station Augusta, ME 04333 Street address (for FedEx & UPS): 161 Capitol Street Augusta, ME 04333 Phone: 207.287.1133 Fax: 207.287.1149 Online: http://www.maine.gov/boardofnursing/ Contact Person: Myra Broadway, JD, MS, RN, Executive Director Maryland Board of Nursing 4140 Patterson Avenue Baltimore, MD 21215 Phone: 410.585.1900 Fax: 410.358.3530 Online: http://www.mbon.org/ Contact Person: Patricia Ann Noble, MSN, RN Executive Director Massachusetts Board of Registration in Nursing Commonwealth of Massachusetts 239 Causeway Street, Second Floor Boston, MA 02114 Phone: 617.973.0900 800.414.0168 Fax: 617.973.0984 Online: http://www.mass.gov/dpl/boards/rn/ Contact Person: Rula Faris Harb, MS, RN, Executive Director Michigan/DCH/Bureau of Health Professions Ottawa Towers North 611 W. Ottawa, 1st Floor Lansing, MI 48933 Phone: 517.335.0918 Fax: 517.373.2179 Online: http://www.michigan.gov/healthlicense Contact Person: Amy Shell, Executive Officer Minnesota Board of Nursing 2829 University Avenue SE Suite 200 Minneapolis, MN 55414 Phone: 612.617.2270 Fax: 612.617.2190 Online: http://www.nursingboard.state.mn.us/ Contact Person: Shirley Brekken, MS, RN, Executive Director Mississippi Board of Nursing 1080 River Oaks Drive Flowood, MS 39232 Phone: 601.664.9303 Fax: 601.664.9304 Online: http://www.msbn.state.ms.us/ Contact Person: Melinda E. Rush, DSN, FNP, Executive Director Missouri State Board of Nursing 3605 Missouri Blvd. P.O. Box 656 Jefferson City, MO 65102-0656 Phone: 573.751.0681 Fax: 573.751.0075 Online: http://pr.mo.gov/nursing.asp Contact Person: Lori Scheidt, BS, Executive Director Montana State Board of Nursing 301 South Park Suite 401 P.O. Box 200513 Helena, MT 59620-0513 Phone: 406.841.2345 Fax: 406.841.2305 Online: http://www.nurse.mt.gov Contact Person: Vacant Nebraska Board of Nursing 301 Centennial Mall South Lincoln, NE 68509-4986 Phone: 402.471.4376 Fax: 402.471.1066 Online: http://www.hhs.state.ne.us/crl/nursing/nursingindex.htm Contact Person: Diana Baker, MSN, RN, Executive Director Nebraska Advanced Practice Registered Nurse Board 301 Centennial Mall South P.O. BOX 94986 Lincoln, NE 68509-4986 Phone: 402.471.6443 Fax: 402.471.1066 Online: http://www.hhs.state.ne.us/crl/nursing/nursingindex.htm Contact Person: Karen Bowen, MS, RN, Nursing Practice Consultant Nevada State Board of Nursing 5011 Meadowood Mall Way, Suite 300 Reno, NV 89502 Phone: 775.687.7700 Fax: 775.687.7707 Online: http://www.nursingboard.state.nv.us/ Contact Person: Debra Scott, MSN, RN, FRE, Executive Director New Hampshire Board of Nursing 21 South Fruit Street Suite 16 Concord, NH 03301-2341 Phone: 603.271.2323 Fax: 603.271.6605 Online: http://www.state.nh.us/nursing/ Contact Person: Margaret Walker, Ed.D, MBA, RN, Executive Director New Jersey Board of Nursing P.O. Box 45010 124 Halsey Street, 6th Floor Newark, NJ 07101 Phone: 973.504.6430 Fax: 973.648.3481 Online: http://www.state.nj.us/lps/ca/medical/nursing.htm Contact Person: George Hebert, MA, RN, Executive Director New Mexico Board of Nursing 6301 Indian School Road, NE Suite 710 Albuquerque, NM 87110 Phone: 505.841.8340 Fax: 505.841.8347 Online: http://www.bon.state.nm.us/ Contact Person: Deborah Walker, MSN, RN, Executive Director New York State Board of Nursing Education Bldg. 89 Washington Avenue 2nd Floor West Wing Albany, NY 12234 Phone: 518.474.3817, Ext. 120 Fax: 518.474.3706 Online: http://www.nysed.gov/prof/nurse.htm Contact Person: Barbara Zittel, PhD, RN, Executive Secretary North Carolina Board of Nursing 4516 Lake Boone Trail Raleigh, NC 27607 Phone: 919.782.3211 Fax: 919.781.9461 Online: http://www.ncbon.com/ Contact Person: Julia L. George, RN, MSN, FRE, Executive Director North Dakota Board of Nursing 919 South 7th Street, Suite 504 Bismarck, ND 58504 Phone: 701.328.9777 Fax: 701.328.9785 Online: http://www.ndbon.org/ Contact Person: Constance Kalanek, PhD, RN, Executive Director Northern Mariana Islands Commonwealth Board of Nurse Examiners Regular Mailing Address P.O. Box 501458 Saipan, MP 96950 Street Address (for FedEx and UPS) Commonwealth Health Center, New Administration Bldg. Navy Hill Saipan, MP 96950 Phone: (670) 234-8950, ext. 3587 Fax: 670.664.4813 Online: N/A Contact Person: Vacant Ohio Board of Nursing 17 South High Street, Suite 400 Columbus, OH 43215-3413 Phone: 614.466.3947 Fax: 614.466.0388 Web Site: http://www.nursing.ohio.gov/ Contact Person: Betsy J. Houchen, RN, MS, JD, Executive Director Oklahoma Board of Nursing 2915 N. Classen Boulevard, Suite 524 Oklahoma City, OK 73106 Phone: 405.962.1800 Fax: 405.962.1821 Online: http://www.ok.gov/nursing/ Contact Person: Kimberly Glazier, M.Ed., RN, Executive Director Oregon State Board of Nursing 17938 SW Upper Boones Ferry Rd Portland, OR 97224 Phone: 971.673.0685 Fax: 971.673.0684 Online: http://www.osbn.state.or.us/ Contact Person: Holly Mercer, JD, RN, Executive Director Pennsylvania State Board of Nursing P.O. Box 2649 Harrisburg, PA 17105-2649 Phone: 717.783.7142 Fax: 717.783.0822 Online: http://www.dos.state.pa.us/bpoa/cwp/view.asp?a=1104&q=432869 Contact Person: Laurette D. Keiser, RN, MSN, Executive Secretary/Section Chief Rhode Island Board of Nurse Registration and Nursing Education 105 Cannon Building Three Capitol Hill Providence, RI 02908 Phone: 401.222.5700 Fax: 401.222.3352 Online: http://www.health.ri.gov/ Contact Person: Pamela McCue, MS, RN, Executive Officer South Carolina State Board of Nursing Mailing Address: P.O. Box 12367 Columbia, SC 29211 Physical Address: Synergy Business Park, Kingstree Building 110 Centerview Drive, Suite 202 Columbia, SC 29210 Phone: 803.896.4550 Fax: 803.896.4525 Online: http://www.llr.state.sc.us/pol/nursing Contact Person: Joan K. Bainer, MN, RN, NE, BC, Administrator South Dakota Board of Nursing 4305 South Louise Ave., Suite 201 Sioux Falls, SD 57106-3115 Phone: 605.362.2760 Fax: 605.362.2768 Online: http://www.state.sd.us/doh/nursing/ Contact Person: Gloria Damgaard, RN, MS, Executive Secretary Tennessee State Board of Nursing 227 French Landing, Suite 300 Heritage Place MetroCenter Nashville, TN 37243 Phone: 615.532.5166 Fax: 615.741.7899 Online: http://health.state.tn.us/Boards/Nursing/index.htm Contact Person: Elizabeth Lund, MSN, RN, Executive Director Texas Board of Nursing 333 Guadalupe, Suite 3-460 Austin, TX 78701 Phone: 512.305.7400 Fax: 512.305.7401 Online: http://www.bon.state.tx.us Contact Person: Katherine Thomas, MN, RN, Executive Director Utah State Board of Nursing Heber M. Wells Bldg., 4th Floor 160 East 300 South Salt Lake City, UT 84111 Phone: 801.530.6628 Fax: 801.530.6511 Online: http://www.dopl.utah.gov/licensing/nursing.html Contact Person: Laura Poe, MS, RN, Executive Administrator Vermont State Board of Nursing Office of Professional Regulation National Life Building North F1.2 Montpelier, Vermont 05620-3402 Phone: 802.828.2396 Fax: 802.828.2484 Online: http://www.vtprofessionals.org/opr1/nurses/ Contact Person: Mary L. Botter, PhD, RN, Executive Director Virgin Islands Board of Nurse Licensure Mailing Address P.O. Box 304247, Veterans Drive Station St. Thomas, Virgin Islands 00803 Physical Address (For FedEx and UPS) Virgin Island Board of Nurse Licensure #3 Kongens Gade (Government Hill) St. Thomas, Virgin Islands 00802 Phone: 340.776.7131 Fax: 340.777.4003 Online: http://www.vibnl.org/ Contact Person: Diane Ruan-Viville, MA, BSN, RN, Executive Director Virginia Board of Nursing Department of Health Professions Perimeter Center 9960 Mayland Drive, Suite 300 Richmond, Virginia 23233 Phone: (804) 367-4515 Fax: (804) 527-4455 Online: http://www.dhp.virginia.gov/nursing/ Contact Person: Jay Douglas, RN, MSM, CSAC, Executive Director Washington State Nursing Care Quality Assurance Commission Department of Health HPQA #6 310 Israel Rd. SE Tumwater, WA 98501-7864 Phone: 360.236.4700 Fax: 360.236.4738 Online: http://www.doh.wa.gov/hsqa/professions/nursing/default.htm Contact Person: Paula Meyer, MSN, RN, Executive Director West Virginia State Board of Examiners for Licensed Practical Nurses 101 Dee Drive Charleston, WV 25311 Phone: 304.558.3572 Fax: 304.558.4367 Online: http://www.lpnboard.state.wv.us/ Contact Person: Lanette Anderson, RN, MSN, JD, Executive Director West Virginia Board of Examiners for Registered Professional Nurses 101 Dee Drive Charleston, WV 25311 Phone: 304.558.3596 Fax: 304.558.3666 Online: http://www.wvrnboard.com/ Contact Person: Laura Rhodes, MSN, RN, Executive Director Wisconsin Department of Regulation and Licensing Physical Address: 1400 E. Washington Avenue Madison, WI 53703 Mailing Address: P.O. Box 8935 Madison, WI 53708-8935 Phone: 608.266.2112 Fax: 608.261.7083 Online: http://drl.wi.gov/ Contact Person: Jeff Scanlan, Bureau Director, Health Services Boards Wyoming State Board of Nursing 1810 Pioneer Avenue Cheyenne, WY 82001 Phone: 307.777.7601 Fax: 307.777.3519 Online: http://nursing.state.wy.us/ Contact Person: Mary Kay Goetter, Executive Officer --------------------------------------------------------------------- LIST OF NURSING SCHOOLS, NURSING DEGREES, NURSING CERTIFICATES, NURSING PROGRAMS, RN, LPN, BSN, MSN, CNS = Clinical Nurse Specialist (CNS) Resource Center , NURSING COURSES. Nursing career opportunities are greater and more varied than ever before, and the demand for qualified nurses has never been higher. As the health care field becomes increasingly specialized, more nurses are finding steady, rewarding careers beyond the traditional hospital setting. Read about hot nursing careers. |
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The Ten Commandments for a Younger-
looking You...
Age is just a number. You’ll find lots men and women in their
late thirties and early forties looking like they’ve never aged at all, but
there are also some twenty somethings looking older than their actual
age. Some are lucky enough to have it in their genes. Some are rich
enough to seek the aid of Science. But for those who aren’t that lucky
nor rich enough, don’t worry. Here are some doable and effective
commandments on how you can feel and look younger than your actual
age.
1. Do not worship the sun. Wear sunblock on your face, your
visage and to every exposed part of your body. At whatever time of the
day, the sun’s rays can harm your skin after more than 15 minutes of
being exposed to it. If you must go out, do it before 10 in the morning
and after 2 in the afternoon, as the hours in between is when the sun is
as its strongest. Too much sun exposure can cause production of free
radicals, which when oxidized can damage tissues resulting to wrinkles
and dryness. Remember to apply sunblock half an hour before going
out and reapply every two hours for continuous protection. Use
umbrellas and sunnies when going out.
2. Cleanse, tone and moisturize everyday. This has
always been a habit I’ve grown accustomed to since attending
university. After a long day, if I can’t take a shower, I always wash up with
a mild cleanser, use a non-alcohol based toner and apply a generous
amount of moisturizer. Do the same for your neck and chest area as the
skin on those area is as sensitive as the face’s. Exfoliate once or twice a
week to reveal younger looking skin and remove dead skin cells.
3. Drinks lots of water. We all know that almost half of our body
comprise of water and that we should drink at least 8 glasses a day but
the latter is just a myth. The amount of water you should take depends
on your weight, environment, medical conditions and your physical
activities. Eight glasses is enough to keep you hydrated in a day but if
you are involved in physical activities, then you may need more.
Adequate water in the body ensures that your
food is digested and the nutrients and oxygen are distributed to the
body’s cells. Water also helps the kidney flush out toxins and other
wastes. The body uses about 10 – 12 cups of water a day as it aids in
almost all body functions like breathing, digestion, elimination and
perspiration, so replenish everyday. Don’t wait for dehydration signs
such as cracked lips and dry mouth. To be sure, drink AT LEAST 8
glasses a day. Caffeinated drinks don’t count.
4. Drink alcohol in moderation. Alcohol, when taken in
moderate amounts (a bottle or two of beer in a day, or a glass of wine
everyday) is actually healthy. Dietary silicone found in beer helps in
bone formation which combats osteoporosis which becomes more
common as you grow older. It can also reduce the risk of developing
alzheimer’s later on in life. Beer is also a good source of Vitamin B
complex which prevents health problems with our nerves.
5. Don’t smoke. Smoking doesn’t kill. It doesn’t kill
you instantly. You may live long but you can die a slow and painful
death. The mixture of nicotine and carbon monoxide in each cigarette
you smoke temporarily increases your heart rate and blood pressure,
straining your heart and blood vessels which could cause heart attacks
and stroke. You’re lucky if you survive such conditions but some are left
with permanent conditions such as paralysis and slurred speech.
6. Eat a well balanced diet. You get your energy from your
carbo (like rice, pasta and bread) and you get protein from your meat.
Not everyone likes fruit and vegetables, but they’re the main sources of
vitamins, minerals and antioxidants which slows down the body’s
aging process by preventing the oxidation of free radicals. Dietary
supplements can be substituted but it’s still best if you get your
nutrients from natural sources.
7. Get enough sleep. You’ve heard of having a
radiant skin if you get enough sleep. This is because, while
asleep, the body produces hormones that repair damaged cells. Enough
sleep also strengthens the immune system to help the body fight off
infection and other diseases. During deep sleep, your blood pressure
and heart rate decrease, thereby relaxing the heart and the blood
vessels and decreases chances of cardiovascular diseases.
8. Exercise helps you balance your weight by burning
calories and reduces heart diseases by increasing the
production of ”good,” cholesterol in your body. Exercise also reduce
stress and tensione by producing happy hormones such as endorphins,
adrenaline, serotonin and dopamine.
9. Smile. Even when you’re not feeling well, try to
smile and you’ll feel better in a few minutes. This is the quickest way to
feel younger. People prefer seeing people smile than frown. By smiling,
you don’t only attract positivity but you also make other people feel
good. Scientifically, smiling releases endorphins, serotonin and other
biochemical substances in the body that make you feel good. The
release of such hormones can strengthens the immune system which
can ward off colds, flu and other illnesses.
10. Keep a positive outlook in life. A positive state
of mind creates a positive emotions. And when you don’
t dwell on all the negative (believe me, they’ll never run out of supply),
you are at peace with yourself . You accomplish more. You have peace
of mind. Everything is in order. You develop deeper relationships with
the people around you.
In short, keep your self healthy for a younger looking you.
looking You...
Age is just a number. You’ll find lots men and women in their
late thirties and early forties looking like they’ve never aged at all, but
there are also some twenty somethings looking older than their actual
age. Some are lucky enough to have it in their genes. Some are rich
enough to seek the aid of Science. But for those who aren’t that lucky
nor rich enough, don’t worry. Here are some doable and effective
commandments on how you can feel and look younger than your actual
age.
1. Do not worship the sun. Wear sunblock on your face, your
visage and to every exposed part of your body. At whatever time of the
day, the sun’s rays can harm your skin after more than 15 minutes of
being exposed to it. If you must go out, do it before 10 in the morning
and after 2 in the afternoon, as the hours in between is when the sun is
as its strongest. Too much sun exposure can cause production of free
radicals, which when oxidized can damage tissues resulting to wrinkles
and dryness. Remember to apply sunblock half an hour before going
out and reapply every two hours for continuous protection. Use
umbrellas and sunnies when going out.
2. Cleanse, tone and moisturize everyday. This has
always been a habit I’ve grown accustomed to since attending
university. After a long day, if I can’t take a shower, I always wash up with
a mild cleanser, use a non-alcohol based toner and apply a generous
amount of moisturizer. Do the same for your neck and chest area as the
skin on those area is as sensitive as the face’s. Exfoliate once or twice a
week to reveal younger looking skin and remove dead skin cells.
3. Drinks lots of water. We all know that almost half of our body
comprise of water and that we should drink at least 8 glasses a day but
the latter is just a myth. The amount of water you should take depends
on your weight, environment, medical conditions and your physical
activities. Eight glasses is enough to keep you hydrated in a day but if
you are involved in physical activities, then you may need more.
Adequate water in the body ensures that your
food is digested and the nutrients and oxygen are distributed to the
body’s cells. Water also helps the kidney flush out toxins and other
wastes. The body uses about 10 – 12 cups of water a day as it aids in
almost all body functions like breathing, digestion, elimination and
perspiration, so replenish everyday. Don’t wait for dehydration signs
such as cracked lips and dry mouth. To be sure, drink AT LEAST 8
glasses a day. Caffeinated drinks don’t count.
4. Drink alcohol in moderation. Alcohol, when taken in
moderate amounts (a bottle or two of beer in a day, or a glass of wine
everyday) is actually healthy. Dietary silicone found in beer helps in
bone formation which combats osteoporosis which becomes more
common as you grow older. It can also reduce the risk of developing
alzheimer’s later on in life. Beer is also a good source of Vitamin B
complex which prevents health problems with our nerves.
5. Don’t smoke. Smoking doesn’t kill. It doesn’t kill
you instantly. You may live long but you can die a slow and painful
death. The mixture of nicotine and carbon monoxide in each cigarette
you smoke temporarily increases your heart rate and blood pressure,
straining your heart and blood vessels which could cause heart attacks
and stroke. You’re lucky if you survive such conditions but some are left
with permanent conditions such as paralysis and slurred speech.
6. Eat a well balanced diet. You get your energy from your
carbo (like rice, pasta and bread) and you get protein from your meat.
Not everyone likes fruit and vegetables, but they’re the main sources of
vitamins, minerals and antioxidants which slows down the body’s
aging process by preventing the oxidation of free radicals. Dietary
supplements can be substituted but it’s still best if you get your
nutrients from natural sources.
7. Get enough sleep. You’ve heard of having a
radiant skin if you get enough sleep. This is because, while
asleep, the body produces hormones that repair damaged cells. Enough
sleep also strengthens the immune system to help the body fight off
infection and other diseases. During deep sleep, your blood pressure
and heart rate decrease, thereby relaxing the heart and the blood
vessels and decreases chances of cardiovascular diseases.
8. Exercise helps you balance your weight by burning
calories and reduces heart diseases by increasing the
production of ”good,” cholesterol in your body. Exercise also reduce
stress and tensione by producing happy hormones such as endorphins,
adrenaline, serotonin and dopamine.
9. Smile. Even when you’re not feeling well, try to
smile and you’ll feel better in a few minutes. This is the quickest way to
feel younger. People prefer seeing people smile than frown. By smiling,
you don’t only attract positivity but you also make other people feel
good. Scientifically, smiling releases endorphins, serotonin and other
biochemical substances in the body that make you feel good. The
release of such hormones can strengthens the immune system which
can ward off colds, flu and other illnesses.
10. Keep a positive outlook in life. A positive state
of mind creates a positive emotions. And when you don’
t dwell on all the negative (believe me, they’ll never run out of supply),
you are at peace with yourself . You accomplish more. You have peace
of mind. Everything is in order. You develop deeper relationships with
the people around you.
In short, keep your self healthy for a younger looking you.
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VERY GOOD PLAN
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'' Florida Board of Nursing » Licensing and Registration - Licensing ...
floridasnursing.gov/licensing/
The Nurse Licensure Compact (NLC) goes into effect in Florida on
January 19, 2018. The compact includes Registered Nurses and
Licensed Practical Nurses.
=========
'' Florida Board of Nursing - Licensing, Renewals & Information
floridasnursing.gov/
An Online Resource for Certified Nursing Assistants, Licensed
Practical Nurses, Registered Nurses, Clinical Nurse Specialists,
Advanced Registered Nurse Practitioners, Nursing Assistant Training
& Pre-Licensure Nursing Education Programs Licensure, Renewal
and Information.
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floridasnursing.gov/renewals/
Licensees of the Florida Board of Nursing are required to renew their
licenses biennially in order to maintain the right to practice. To learn
more about the renewal process, select the type of license you wish to
renew from the list of professions below.
health care!
Florida’s health facilities and for providing information to Floridians
about the quality of care they receive. LEARN MORE..
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'' Tools For Nurses; National Council of State Boards of Nursing
(NCSBN) is an independent, not-for-profit organization through which
boards of nursing act and counsel together on matters of common
interest and concern affecting public health, safety and welfare
==========
'' Florida Board of Nursing » Licensing and Registration - Licensing ...
floridasnursing.gov/licensing/
The Nurse Licensure Compact (NLC) goes into effect in Florida on
January 19, 2018. The compact includes Registered Nurses and
Licensed Practical Nurses.
=========
'' Florida Board of Nursing - Licensing, Renewals & Information
floridasnursing.gov/
An Online Resource for Certified Nursing Assistants, Licensed
Practical Nurses, Registered Nurses, Clinical Nurse Specialists,
Advanced Registered Nurse Practitioners, Nursing Assistant Training
& Pre-Licensure Nursing Education Programs Licensure, Renewal
and Information.
==========
'' Florida Board of Nursing » Renewal Information - Licensing ...
floridasnursing.gov/renewals/
Licensees of the Florida Board of Nursing are required to renew their
licenses biennially in order to maintain the right to practice. To learn
more about the renewal process, select the type of license you wish to
renew from the list of professions below.
Long-term care is offered through home care
agencies, senior centers, adult day care centers,
traditional nursing homes, and retirement
communities that provide ongoing care for elderly
individuals or persons with long-term disabilities.
Skilled or acute has nothing to do with how sick a person is. Acute care is
given to a patient to "get better," e.g., dressing bedsores, IV's, physical
and speech therapy.
Once progress stops, however, the care is termed chronic. A colostomy
drain, a catheter or oxygen needed for an emphysema patient are services
provided under chronic conditions.
Long-term care can vary in the type and quality of care. The length of care,
the amount of care, and the services that are required by the individual are
all factors to be considered when evaluating long-term care for an elderly
or disabled person.
========
The following three terms are used to evaluate the needs of an individual
with respect to long-term care:
Skilled nursing care. Skilled nursing care is needed for medical conditions
that require care by specially trained nurses or therapists. Skilled nursing
care is licensed by the state for 24 hours a day in a person's home with
help from practical nurses.
Qualified long-term care expenses, prescribed by a licensed health care
practitioner, are acquired with skilled nursing care for "chronically ill"
individuals.
A chronically ill individual is considered one who is unable to perform at
least two activities of daily living for a period of at least 90 days and/or has
cognitive impairment that requires substantial supervision.
Intermediate nursing care. Intermediate nursing care is associated with
stable
conditions that require daily supervision, but not around the clock care.
Intermediate nursing care is commonly needed for a matter of months or
years.
Custodial care. Custodial care is intended to assist with daily living
activities. This includes bathing, eating, dressing, and other routine
activities.
=============
Who needs long-term care and why?
Anyone may need long-term care services. An accident or a sudden serious
illness can create a need for services, as can the slow progression of
chronic diseases such as rheumatoid arthritis, Alzheimer's Disease or
Parkinson's Disease.
Age or family may also be contributing factors. People who live to very old
are more apt to need long-term care services than those who die at a
younger age.
In addition to age and disability, there are other factors that determine the
likelihood of needing long-term care services:
Gender
Women are more likely to need long-term care services than men. One
reason may be their longer life expectancy; women outlive men by an
average of eight years. Those age 75 and over, 30 percent of women, but
only 17 percent of men, need assistance with personal care.
Marital Status
Only 25 percent of people who were married at the time of their death
spent some time in a nursing home. In contrast, 40 percent of those who
were widowed, divorced, separated or never married spent time in a
nursing home.
Functional Limitations
Women have more chronic diseases that impair mobility, such as arthritis
and osteoporosis, than men. Men have more acute health episodes that
lead to an earlier and quicker death.
Mental Impairments
Mental impairment often leads to the need for long-term care. People with
mental or cognitive impairments stay in nursing homes longer than those
who suffer from physical infirmities. Also, some families have a genetic
disposition toward Alzheimer's disease, stroke or other mentally disabling
conditions.
Family Support
Whether a person can remain at home is often dependent on his or her
support system. Many older people do not live near their children: their
support system consists of neighbors and friends who may not always be
available. Even where family members are close by, they may need to work
full time and be unable to offer as much help as is needed.
==============
Growth of the Elderly Population
The extraordinary growth of the elderly population will add to federal health
costs because the average annual medical care bill rises along a steep
curve for older age groups.
In order to provide the same average number of years of retirement
benefits in 2030 that were contemplated when Social Security was set up in
the 1930s, the retirement age would have to be raised to 74 by the year
2030.
Statistics of the Elderly
The following are some statistics of our elderly population worth
consideration:
43 percent of all Americans who turn 65 will eventually enter a nursing
home.
One-half of all nursing home patients are discharged within six months.
However, the average length of stay for those who do not leave within six
months is four years.
Fifty percent of all long-term care costs are paid out of pocket.
Medicare pays only about 41.5 percent of the annual nursing home costs.
Nearly 60 percent of persons age 65 and over will need long-term care
either in a nursing home or in their own home.
The Congressional Budget Office shows that unless significant changes are
made, Medicare will go bankrupt.
============
Fully half of employed care givers have missed work time in order to care
for their elders in recent years, reflecting an increase from just over
two-fifths a decade ago. In addition, almost half of long-distance care
givers are male, despite the stereotype of daughters providing most of the
care for aging parents.
The average age of long-distance care givers is 46, which places the
average care giver solidly in the baby boom generation. Long-distance
care givers make up a distinct portion of the children providing care for
elderly relatives. Seventy percent of out of town care providers are
employed, and they provide assistance with everything from bill paying to
hiring and managing on-site care takers.
================
Long-term care services and ways to pay for them
Some people who need long-term care do not need to be institutionalized.
It is usually less expensive to have someone come in to provide care,
full-time or part-time, than to pay for a nursing home bed, meals, and
support services.
The financial issue may not be the main reason that the elderly are
choosing to stay with family or in a familiar setting. Some people are happy
with access to their own space, neighbors, stores they know, and other
familiar aspects of their lives. Home care services include general
assistance with assisted daily living activities, as well as in-home health
care to maintain, improve, or restore a person's health.
This care may be provided by personal care attendants (PCAs), chore
providers, homemakers, home health aides, visiting nurses, physical
therapists, occupational therapists, and others.
==================
Two-thirds of all the men and women who have lived beyond the age of 65
are alive today. Most dependent elderly and disabled people live in the
community, rather than in nursing homes.
Most receive their long-term assistance informally, from unpaid helpers
such as family members, friends, and neighbors. Only a small portion of
community based long-term care is provided formally by paid assistants
and providers.
The reason for this is that formal home care is often unavailable in many
smaller communities. In some cases, there is a waiting list. In addition, most
public and private insurance programs either do not cover it, or they cover
only very limited services under limited conditions.
Consequently, the group which is most at risk of needing long-term care is
those over age 75. This group is growing at nearly four times the rate of the
general population, and these people are largely unable to pay out of
pocket for these services.
============
The role of LTC facilities and services
Currently, only 22 percent of people over 85 are in nursing homes. For
every person in a nursing home, it is estimated that there are at least two
others with an equivalent level of disability who are not institutionalized.
Approximately, 80 percent of this non-institutional care is provided by
family members.
This non-institutional care can lead to emotional, physical, and financial
strain of the care givers. Many of these care givers are employed. A recent
long-term care survey by the US Department of Health and Human Services
reported that 31 percent of all care givers are employed outside of the
home.
Working care givers do not spend less time on elder care than those who
do not work. Studies indicate that employment status is unrelated to the
amount of help provided to elderly persons.
Workers who provide elder care assistance to friends or relatives spend
up to four hours a day, seven days a week rendering this aid.
Nursing homes are only one of the many long-term, comprehensive
medical, personal, and social services designed to meet the needs of
chronically ill and disabled persons. However, when an individual needs
24-hour nursing care and supervision, a nursing home may be the best
answer.
The great majority of nursing home residents are elderly. Some are frail and
unable to take care of themselves and live safely on their own.
Other residents, regardless of their age, suffer from chronic illnesses and
need some medical attention, but do not require hospital care.
Still others have been transferred to the nursing home from a hospital to
convalesce after a serious illness, accident, or operation.
Approximately 45 percent of every person turning age 65 will stay in a
nursing home at least once in his lifetime. About one-half of those admitted
to nursing homes stay less than six months. However, one in five will stay a
year or more, and one in ten will stay three or more years.
Some nursing home residents have no families to care for them at home. In
other cases, the families are not able to supply the kind of care the
individual needs.
For example, there may be no one home during the day, or the care needed
may be too specialized or too expensive to provide at home. In still other
cases, families may decide that keeping the person at home would simply
be too difficult.
agencies, senior centers, adult day care centers,
traditional nursing homes, and retirement
communities that provide ongoing care for elderly
individuals or persons with long-term disabilities.
Skilled or acute has nothing to do with how sick a person is. Acute care is
given to a patient to "get better," e.g., dressing bedsores, IV's, physical
and speech therapy.
Once progress stops, however, the care is termed chronic. A colostomy
drain, a catheter or oxygen needed for an emphysema patient are services
provided under chronic conditions.
Long-term care can vary in the type and quality of care. The length of care,
the amount of care, and the services that are required by the individual are
all factors to be considered when evaluating long-term care for an elderly
or disabled person.
========
The following three terms are used to evaluate the needs of an individual
with respect to long-term care:
Skilled nursing care. Skilled nursing care is needed for medical conditions
that require care by specially trained nurses or therapists. Skilled nursing
care is licensed by the state for 24 hours a day in a person's home with
help from practical nurses.
Qualified long-term care expenses, prescribed by a licensed health care
practitioner, are acquired with skilled nursing care for "chronically ill"
individuals.
A chronically ill individual is considered one who is unable to perform at
least two activities of daily living for a period of at least 90 days and/or has
cognitive impairment that requires substantial supervision.
Intermediate nursing care. Intermediate nursing care is associated with
stable
conditions that require daily supervision, but not around the clock care.
Intermediate nursing care is commonly needed for a matter of months or
years.
Custodial care. Custodial care is intended to assist with daily living
activities. This includes bathing, eating, dressing, and other routine
activities.
=============
Who needs long-term care and why?
Anyone may need long-term care services. An accident or a sudden serious
illness can create a need for services, as can the slow progression of
chronic diseases such as rheumatoid arthritis, Alzheimer's Disease or
Parkinson's Disease.
Age or family may also be contributing factors. People who live to very old
are more apt to need long-term care services than those who die at a
younger age.
In addition to age and disability, there are other factors that determine the
likelihood of needing long-term care services:
Gender
Women are more likely to need long-term care services than men. One
reason may be their longer life expectancy; women outlive men by an
average of eight years. Those age 75 and over, 30 percent of women, but
only 17 percent of men, need assistance with personal care.
Marital Status
Only 25 percent of people who were married at the time of their death
spent some time in a nursing home. In contrast, 40 percent of those who
were widowed, divorced, separated or never married spent time in a
nursing home.
Functional Limitations
Women have more chronic diseases that impair mobility, such as arthritis
and osteoporosis, than men. Men have more acute health episodes that
lead to an earlier and quicker death.
Mental Impairments
Mental impairment often leads to the need for long-term care. People with
mental or cognitive impairments stay in nursing homes longer than those
who suffer from physical infirmities. Also, some families have a genetic
disposition toward Alzheimer's disease, stroke or other mentally disabling
conditions.
Family Support
Whether a person can remain at home is often dependent on his or her
support system. Many older people do not live near their children: their
support system consists of neighbors and friends who may not always be
available. Even where family members are close by, they may need to work
full time and be unable to offer as much help as is needed.
==============
Growth of the Elderly Population
The extraordinary growth of the elderly population will add to federal health
costs because the average annual medical care bill rises along a steep
curve for older age groups.
In order to provide the same average number of years of retirement
benefits in 2030 that were contemplated when Social Security was set up in
the 1930s, the retirement age would have to be raised to 74 by the year
2030.
Statistics of the Elderly
The following are some statistics of our elderly population worth
consideration:
43 percent of all Americans who turn 65 will eventually enter a nursing
home.
One-half of all nursing home patients are discharged within six months.
However, the average length of stay for those who do not leave within six
months is four years.
Fifty percent of all long-term care costs are paid out of pocket.
Medicare pays only about 41.5 percent of the annual nursing home costs.
Nearly 60 percent of persons age 65 and over will need long-term care
either in a nursing home or in their own home.
The Congressional Budget Office shows that unless significant changes are
made, Medicare will go bankrupt.
============
Fully half of employed care givers have missed work time in order to care
for their elders in recent years, reflecting an increase from just over
two-fifths a decade ago. In addition, almost half of long-distance care
givers are male, despite the stereotype of daughters providing most of the
care for aging parents.
The average age of long-distance care givers is 46, which places the
average care giver solidly in the baby boom generation. Long-distance
care givers make up a distinct portion of the children providing care for
elderly relatives. Seventy percent of out of town care providers are
employed, and they provide assistance with everything from bill paying to
hiring and managing on-site care takers.
================
Long-term care services and ways to pay for them
Some people who need long-term care do not need to be institutionalized.
It is usually less expensive to have someone come in to provide care,
full-time or part-time, than to pay for a nursing home bed, meals, and
support services.
The financial issue may not be the main reason that the elderly are
choosing to stay with family or in a familiar setting. Some people are happy
with access to their own space, neighbors, stores they know, and other
familiar aspects of their lives. Home care services include general
assistance with assisted daily living activities, as well as in-home health
care to maintain, improve, or restore a person's health.
This care may be provided by personal care attendants (PCAs), chore
providers, homemakers, home health aides, visiting nurses, physical
therapists, occupational therapists, and others.
==================
Two-thirds of all the men and women who have lived beyond the age of 65
are alive today. Most dependent elderly and disabled people live in the
community, rather than in nursing homes.
Most receive their long-term assistance informally, from unpaid helpers
such as family members, friends, and neighbors. Only a small portion of
community based long-term care is provided formally by paid assistants
and providers.
The reason for this is that formal home care is often unavailable in many
smaller communities. In some cases, there is a waiting list. In addition, most
public and private insurance programs either do not cover it, or they cover
only very limited services under limited conditions.
Consequently, the group which is most at risk of needing long-term care is
those over age 75. This group is growing at nearly four times the rate of the
general population, and these people are largely unable to pay out of
pocket for these services.
============
The role of LTC facilities and services
Currently, only 22 percent of people over 85 are in nursing homes. For
every person in a nursing home, it is estimated that there are at least two
others with an equivalent level of disability who are not institutionalized.
Approximately, 80 percent of this non-institutional care is provided by
family members.
This non-institutional care can lead to emotional, physical, and financial
strain of the care givers. Many of these care givers are employed. A recent
long-term care survey by the US Department of Health and Human Services
reported that 31 percent of all care givers are employed outside of the
home.
Working care givers do not spend less time on elder care than those who
do not work. Studies indicate that employment status is unrelated to the
amount of help provided to elderly persons.
Workers who provide elder care assistance to friends or relatives spend
up to four hours a day, seven days a week rendering this aid.
Nursing homes are only one of the many long-term, comprehensive
medical, personal, and social services designed to meet the needs of
chronically ill and disabled persons. However, when an individual needs
24-hour nursing care and supervision, a nursing home may be the best
answer.
The great majority of nursing home residents are elderly. Some are frail and
unable to take care of themselves and live safely on their own.
Other residents, regardless of their age, suffer from chronic illnesses and
need some medical attention, but do not require hospital care.
Still others have been transferred to the nursing home from a hospital to
convalesce after a serious illness, accident, or operation.
Approximately 45 percent of every person turning age 65 will stay in a
nursing home at least once in his lifetime. About one-half of those admitted
to nursing homes stay less than six months. However, one in five will stay a
year or more, and one in ten will stay three or more years.
Some nursing home residents have no families to care for them at home. In
other cases, the families are not able to supply the kind of care the
individual needs.
For example, there may be no one home during the day, or the care needed
may be too specialized or too expensive to provide at home. In still other
cases, families may decide that keeping the person at home would simply
be too difficult.
There are three levels of nursing homes. Each
is based upon the nature and extent of
services they provide. These three levels are described
below:
1. Custodial care homes. Custodial care homes are
the least expensive of nursing home arrangements. They are designed for
people who need a place to live and who need assistance with daily living
activities, but who do not require health services.
2. Intermediate care facilities. Intermediate care facilities are for people
who need some nursing care and supervision, but who do not require
skilled nursing care 24 hours per day.
Intermediate care facilities may also provide rehabilitative care from skilled
medical personnel.
3. Skilled nursing facilities. Skilled nursing facilities offer
around the clock nursing and rehabilitative care that can only be provided
from registered nurses and under the supervision of a physician. In
addition, physician care is available for emergencies.
All long-term care insurance policies should pay for nursing home benefits
based on reasonable costs. Some pay a flat fee amount per day while
others will not pay more than the actual charges, regardless of the daily
benefit chosen.
Some of these, however, will allow the amount of the daily benefit not used
to carry over, thus extending the benefit period.
===============
Assisted Living Centers
Assisted living centers are a special combination of housing, personalized
supportive services, and health care designed to respond to the individual
needs of those requiring help with activities of daily living, but who do not
need the skilled medical care provided in a nursing home.
Sometimes, these facilities are a special building or wing of a congregate
facility that can range from a small" mom and pop" operation of six beds to
facilities with 200 beds or more.
The difference between an assisted living facility and a nursing home lies
in the degrees of assistance needed by the patient. Nursing home
residents typically need help with about four activities of daily living while
assisted living residents only need help with about two ADLs.
Assisted living provides a place for people who are not typically bed-bound
but can't stay home anymore because they need help.
Many long-term care policies provide assisted living benefits as a
percentage of the nursing home benefit (usually half) although some offer
equal benefits. Policyholders may qualify for assisted living coverage
under their long-term care insurance where they are unable to perform the
two or more activities of daily living in the policy.
In some cases, the cognitive impairment trigger would meet qualification
for coverage even though they need little or no help with activities of daily
living.
===========
Assisted living is considered an alternative to nursing home care and is
one of the fastest growing segments of long-term care providers.
Assisted living offers lower rates than skilled care nursing homes. Assisted
living centers also offer more of the traditional home like features. These
facilities are one of the best types of health care facilities for the elderly.
They have an efficient combination of home and professional care.
=============
Some long-term care policies provide adult day care coverage as an
adjunct to home health care or stand alone as respite relief for the primary
caregiver.
Senior citizen centers. Senior citizen centers include a wide range of
social, recreational, and counseling services and programs. The senior
citizen centers often have vans that can pick up people to be brought into
the center daily or taken to the doctor, drugstore, grocery store, other
place that one might need help in getting to.
Some of the services offered by these facilities include:
==========
In-home or community food programs. These
programs include Meals on Wheels and similar services that provide food
to individuals who are unable to care for themselves or who are unable to
leave the house.
While this nutrition program began exclusively with the provision of
congregate meals, the number of which has remained relatively steady in
the past ten years, the fastest growing component today is the provision of
home delivered meals, which was first separately authorized in 1979
Rehabilitation. Rehabilitation restores or maintains wellness and
physical, mental, and social functioning after accident, injury, surgery, or
illness. Rehabilitation usually includes various therapies (occupational,
physical, speech, hearing, etc.).
Counseling. Counseling is often offered at senior centers, nutrition sites,
congregate housing, and nursing homes.
Transportation. Transportation is usually available from homes to senior
centers and for physician visits, church, etc.
Nutrition program. These usually include delivered meals.
Home health services. This includes licensed home health care authorized
by a physician to restore or maintain health and to minimize the effects of
illness or disability.
==========
Homemaker services (also known as chore services). These are not
medical services.
Unlike personal care services, they are limited to services to enhance the
physical environment and not the person.
Personal care services.
Personal care services are non-medical help with assisted daily living
activities affecting the person, not the environment.
=========
Residential care facilities
These facilities provide room and board, assistance with personal care and
any necessary supervision. Sometimes referred to as "board and care"
facilities they range in size from small "mom and pop" operations operated
out of a home to up to 200 beds or more.
Residential care homes provide rooms, food, and assistive services to
elderly persons. Generally, the term "board and care facility" refers to a
system of non-medical custodial care which can be provided in a single
family residence, a retirement residence, or in any appropriate care facility
including a nursing home.
More than 90 percent of the residential care homes are licensed for six or
fewer residents housed in a private residential home setting. Residential
care facilities operate under the supervision of community care licensing.
==========
Residential care facilities are not permitted to provide skilled nursing
services such as giving injections, maintaining catheters, or colostomy
care. However, they can provide assistance with other daily living activities
such as bathing, dressing, toileting, and urinary or bowel incontinency care.
Most elderly people find that their needs do not require having to access
skilled nursing services and, therefore, do not need to be housed in a
nursing home.
is based upon the nature and extent of
services they provide. These three levels are described
below:
1. Custodial care homes. Custodial care homes are
the least expensive of nursing home arrangements. They are designed for
people who need a place to live and who need assistance with daily living
activities, but who do not require health services.
2. Intermediate care facilities. Intermediate care facilities are for people
who need some nursing care and supervision, but who do not require
skilled nursing care 24 hours per day.
Intermediate care facilities may also provide rehabilitative care from skilled
medical personnel.
3. Skilled nursing facilities. Skilled nursing facilities offer
around the clock nursing and rehabilitative care that can only be provided
from registered nurses and under the supervision of a physician. In
addition, physician care is available for emergencies.
All long-term care insurance policies should pay for nursing home benefits
based on reasonable costs. Some pay a flat fee amount per day while
others will not pay more than the actual charges, regardless of the daily
benefit chosen.
Some of these, however, will allow the amount of the daily benefit not used
to carry over, thus extending the benefit period.
===============
Assisted Living Centers
Assisted living centers are a special combination of housing, personalized
supportive services, and health care designed to respond to the individual
needs of those requiring help with activities of daily living, but who do not
need the skilled medical care provided in a nursing home.
Sometimes, these facilities are a special building or wing of a congregate
facility that can range from a small" mom and pop" operation of six beds to
facilities with 200 beds or more.
The difference between an assisted living facility and a nursing home lies
in the degrees of assistance needed by the patient. Nursing home
residents typically need help with about four activities of daily living while
assisted living residents only need help with about two ADLs.
Assisted living provides a place for people who are not typically bed-bound
but can't stay home anymore because they need help.
Many long-term care policies provide assisted living benefits as a
percentage of the nursing home benefit (usually half) although some offer
equal benefits. Policyholders may qualify for assisted living coverage
under their long-term care insurance where they are unable to perform the
two or more activities of daily living in the policy.
In some cases, the cognitive impairment trigger would meet qualification
for coverage even though they need little or no help with activities of daily
living.
===========
Assisted living is considered an alternative to nursing home care and is
one of the fastest growing segments of long-term care providers.
Assisted living offers lower rates than skilled care nursing homes. Assisted
living centers also offer more of the traditional home like features. These
facilities are one of the best types of health care facilities for the elderly.
They have an efficient combination of home and professional care.
=============
Some long-term care policies provide adult day care coverage as an
adjunct to home health care or stand alone as respite relief for the primary
caregiver.
Senior citizen centers. Senior citizen centers include a wide range of
social, recreational, and counseling services and programs. The senior
citizen centers often have vans that can pick up people to be brought into
the center daily or taken to the doctor, drugstore, grocery store, other
place that one might need help in getting to.
Some of the services offered by these facilities include:
==========
In-home or community food programs. These
programs include Meals on Wheels and similar services that provide food
to individuals who are unable to care for themselves or who are unable to
leave the house.
While this nutrition program began exclusively with the provision of
congregate meals, the number of which has remained relatively steady in
the past ten years, the fastest growing component today is the provision of
home delivered meals, which was first separately authorized in 1979
Rehabilitation. Rehabilitation restores or maintains wellness and
physical, mental, and social functioning after accident, injury, surgery, or
illness. Rehabilitation usually includes various therapies (occupational,
physical, speech, hearing, etc.).
Counseling. Counseling is often offered at senior centers, nutrition sites,
congregate housing, and nursing homes.
Transportation. Transportation is usually available from homes to senior
centers and for physician visits, church, etc.
Nutrition program. These usually include delivered meals.
Home health services. This includes licensed home health care authorized
by a physician to restore or maintain health and to minimize the effects of
illness or disability.
==========
Homemaker services (also known as chore services). These are not
medical services.
Unlike personal care services, they are limited to services to enhance the
physical environment and not the person.
Personal care services.
Personal care services are non-medical help with assisted daily living
activities affecting the person, not the environment.
=========
Residential care facilities
These facilities provide room and board, assistance with personal care and
any necessary supervision. Sometimes referred to as "board and care"
facilities they range in size from small "mom and pop" operations operated
out of a home to up to 200 beds or more.
Residential care homes provide rooms, food, and assistive services to
elderly persons. Generally, the term "board and care facility" refers to a
system of non-medical custodial care which can be provided in a single
family residence, a retirement residence, or in any appropriate care facility
including a nursing home.
More than 90 percent of the residential care homes are licensed for six or
fewer residents housed in a private residential home setting. Residential
care facilities operate under the supervision of community care licensing.
==========
Residential care facilities are not permitted to provide skilled nursing
services such as giving injections, maintaining catheters, or colostomy
care. However, they can provide assistance with other daily living activities
such as bathing, dressing, toileting, and urinary or bowel incontinency care.
Most elderly people find that their needs do not require having to access
skilled nursing services and, therefore, do not need to be housed in a
nursing home.
Long-Term Care Insurance Provisions and
Features
Long-term care insurance offers many coverage options and various levels
of care such as nursing home, assisted living, home health care coverage, or
some combination thereof. Premiums for nursing home only coverage are the
least expensive, while premiums for complete coverage are the most
expensive.
Long-term care insurance is similar to other types of personal insurance in
that the younger the age when it is purchased, the less expensive it is.
Similarly, an individual must purchase long-term care insurance before a
problem occurs.
There are two basic types of long-term care insurance: comprehensive plans
and non-comprehensive plans. The comprehensive plans are those that
cover care at all levels. These plans cover both home health and nursing
home care as well as care in a community based setting such as assisted
living.
The non-comprehensive plans are those that cover only home health care or
nursing home care. Home health care only plans cover care from nurses and
therapists, as well as personal care from health aides and housekeepers
provided in the home. Nursing home only plans provide a daily benefit to
cover the cost of a stay in a skilled nursing facility.
Generally, anyone who is in reasonably good health up to age 99 can qualify
for long-term care insurance. There are many conditions and maladies which
can cause a person to become uninsurable at any age. Therefore, the best
time to consider long-term care coverage is when an individual is healthy. A
policy holder will likely pay higher premiums if he waits until an illness has
forced him to get a long-term care policy or if he is suffering with
approaching symptoms.
Company policies have many different combinations of coverages. Most offer
to pay a fixed dollar amount each day in which care is received. Other
policies offer to pay a percentage of the cost of services or a specified dollar
amount to cover the actual charges for care. These policies must provide for
coverage to increase as nursing home costs rise. Without inflation
protection, a consumer will be left with a benefit that is meaningless.
Long-term care benefits are also offered as part of some individual life
insurance policies. Under this plan, a percentage of a policy's death benefit is
paid when long-term care is needed, and the death benefit and cash values
are reduced accordingly. These policies also commonly have strict rules for
qualifying for coverage.
====================
Features Available in Long-Term Care
Insurance Policies
Some of the most common features found in long-term care policies are
listed below:
No prior hospital confinement required.
Benefits begin immediately after an individual qualifies with no elimination
period.
Full waiver of premium after 90 days of benefits.
Pre-existing conditions covered immediately, if listed on the application.
Alzheimer's disease and senility are covered as any other sickness.
Benefits can be paid directly to the policy holder.
Premiums cannot increase because of age or health claims submitted.
A long-term care facility does not have to be Medicare approved.
The following are some of the key features that should be included in a
long-term care policy so that it will best serve the policy holder:
A policy which pays death benefits. These policies refund to the deceased's
estate any premiums paid, minus any amounts paid out to the deceased if he
dies before a specified age, usually 65 or 70.
A policy that has a "nonforfeiture provision". These return some of the policy
holder's equity if the policy is dropped. Nonforfeiture generally only takes
effect after premiums have been paid for a specified period.
A policy with a fixed premium policy. Some policies do not fix premiums, but
rate them on an attained age basis. What may begin as affordable when the
policy holder is young becomes less affordable as he approaches an age and
condition when more care is needed.
A policy with an inflation rider that adjusts the benefit rate at the time of use,
rather than one that establishes future adjustments at the time of purchase.
The rates assumed at purchase may later prove unrealistically low.
It is preferable to have the rate adjusted at the time of use.
A policy which covers a wide range of provider and facility types. Some
coverage is limited to the use of providers with certain licenses, certification,
facility type, size (number of beds), or staffing requirements.
A policy with at least four years of coverage for a nursing home stay. There
are maximum benefit periods beyond which an individual will not be covered
for a particular event, such as a nursing home stay.
A policy with a waiting period that balances an individual's desire for early
coverage against the level of the maximum benefit period. There are usually
waiting periods before coverage, generally up to 100 days, but as much as
one year. Obviously, it is desirable to obtain a policy that has a relatively brief
waiting period.
A policy with no prior hospitalization requirement before it will cover home
care. All levels of care should be covered. Coverage for non-skilled care
should not require the prior use of skilled care.
A policy that reimburses the actual cost of service. Some policies pay a fixed
sum, no matter what the actual cost. These are desirable because they
eliminate most or all of the copayment.
A policy with few or no exclusions for pre-existing conditions.
A policy with a premium waiver during confinements. The policy holder
should not be required to pay premiums during the period of confinement.
A policy with premium discounts for nonsmokers and for policy holders who
do not live alone.
A policy with a grace period of seven to thirty-one days before the policy is
dropped in case the policy lapses.
A policy that is comprehensive in that it covers both nursing home and home
care.
These should have wide services and few restrictions. Ideally, the policy
should cover usual and customary charges, rather than simply providing an
indemnity benefit.
A policy that includes an option to upgrade coverage in the future without
again having to prove insurability.
A policy that is guaranteed renewable. This policy cannot be canceled, except
if an individual fails to pay a premium or if he is found to have lied on the
application.
Couples can buy a joint long-term care policy that has a lower premium than
two individual policies. Unfortunately, some companies do not offer this
feature.
==============
Benefits Available in Long-Term Care
Insurance Policies
Some of the benefits commonly found in long-term care policies are
described below:
A daily amount payable for nursing home care based on the amount selected,
up to $300 per day (typically).
A daily amount payable for home health care can be 50 percent or 100 percent
of a selected nursing home care benefit.
Indemnity VS. Reimbursement Policies
Most long-term care insurers offer indemnity policies that cover a fixed daily
benefit amount. The advantage of these contracts is that they provide extra
money to pay for those "incidental" charges that always pop up.
Reimbursement plans repay the insured for the actual cost of care up to a
predetermined maximum. Since these plans pay no more than actual claims,
rates tend to be lower and more likely to remain so longer than indemnity
types.
A daily amount payable for adult day care and hospice service equal to 50
percent of a selected nursing home care benefit.
An individual can select how long the benefit periods are payable (one, two
three, four, five years, or a lifetime benefit).
Alternative care: Policies will pay benefits for any other type of care or
service that is provided in lieu of a nursing home confinement, such as
assisted living facilities.
Medic alert systems: Policies will pay for the rental of a medic alert system
when someone is receiving home health care benefits. Policies also will pay
for the system for as long as the insured continues to receive home health
care benefits under the policy.
Lifetime waiver of premium: All future premiums are waived for the surviving
spouse in the event of a covered spouse's death, after coverage has been in
effect for more than five years.
Ten percent discount of monthly premiums when husband and wife apply for
coverage at the same time and for the same benefits.
Inflation protection benefit, which increases daily benefits by five percent
compounded annually (optional).
Return of premium benefit, returns up to 80 percent of premiums after ten
years (optional).
Indemnity and integrated contracts
Most long-term care policies are issued on an indemnity basis which means
that the contract provides a daily maximum benefit, such as $175 per day, for
each day of stay at a nursing or other long-term care facility. Home care and
residential care facility benefits are usually expressed as a percent of
nursing home benefits typically 50 percent.
Elimination (Waiting) Period
Once an individual begins to require long-term care, an elimination period
takes effect. The elimination period is the length of time, measured in days
that the insured must wait before the policy starts paying for care. An
elimination period is similar to a deductible on most other types of insurance.
For example, if a policy has a 30-day elimination period, the policy holder pays
for the first 30 days of confinement and begins receiving benefits on the
thirty-first day of confinement.
Free Look Period
All long-term care policies must provide a "free look" period of at least 30
days. This gives the policy holder an opportunity to fully review the policy. In
order to receive a full refund, the policy must be returned before the 30 days
are up.
Preexisting Conditions
When an individual is considering a long-term care policy, the insurance
company is only permitted to inquire about preexisting mental or physical
conditions for which he has been diagnosed or treated within a six-month
period prior to the date of application for the policy. A preexisting condition
which was treated or diagnosed during this period may be excluded from
coverage for no more than six months after the effective date of the policy.
Some companies have no waiting periods or preexisting conditions.
Guaranteed Renewability
Guaranteed renewable means that a policy cannot be canceled because of
health reasons. However, it can be canceled for nonpayment of premiums, or
if incorrect or incomplete information was provided on application. Groups
can terminate group policies, but the individual policy holder will be allowed
to continue coverage with another group or conversion to an individual
policy.
Today, all new long-term care policies are guaranteed renewable. Therefore,
coverage cannot be cut off as long as a policy holder pays all the premiums
on time. For example, the premiums cannot be raised arbitrarily if the policy
holder becomes ill.
Waiver of Premium
The waiver of premium is a provision in some policies to relieve the insured
of premium payments which become due during a period of continuous total
disability lasting for a specified length of time, such as three or six months.
Or, this period of continuous total disability may last for a specified number of
days. During this time, the policy holder will receive benefits when being
confined in a nursing home. For example, a waiver after 90 days means that
after 90 consecutive days of confinement in a nursing home, the policy
holder could continue to collect benefits without continuing to pay the policy
premium for as long as that confinement lasts
=======
long-term care insurance does not include life insurance policies (1) that
accelerate the death benefit specifically for one or more of the qualifying
events of terminal illness, a medical condition that requires extraordinary
medical intervention, or permanent institutional confinement and (2) that
provide the option of a lump-sum payment for the previous benefits if neither
the benefits nor the eligibility for benefits is conditional upon the receipt of
long-term care.
=============
LONG TERM CARE, Exclusions and Limitations
Exclusions and limitations by type of illness, treatment, medical condition, or
accident are prohibited, except in the following cases:
preexisting conditions. The definition of preexisting conditions, however,
can be no more restrictive than to exclude a condition for which treatment
was recommended or received within 6 months prior to the effective date of
coverage. In addition, coverage can be excluded for a confinement for this
condition only if it begins within 6 months of the effective date of coverage.
mental or nervous disorders (but this does not permit the exclusion of
Alzheimer's disease)
alcoholism and drug addiction illness, treatment, or medical condition arising
out of war, participation in a felony, service in the armed forces, suicide, and
aviation if a person is a non-fare-paying passenger
treatment provided in a government facility, unless required by law
services for which benefits are available under Medicare or other
governmental programs, with the exception of Medicaid
services for which benefits are available under any workers' compensation,
employer's liability, or occupational disease law
services available under any motor vehicle law
services provided by a member of the covered person's immediate family
services for which no charge is normally made in the absence of insurance
expenses for services or items available or paid under another long-term
care insurance or health policy
In addition, the model legislation permits exclusions and limitations for
services provided outside the United States and for legitimate variations in
benefit levels to reflect differences in provider rates.
Features
Long-term care insurance offers many coverage options and various levels
of care such as nursing home, assisted living, home health care coverage, or
some combination thereof. Premiums for nursing home only coverage are the
least expensive, while premiums for complete coverage are the most
expensive.
Long-term care insurance is similar to other types of personal insurance in
that the younger the age when it is purchased, the less expensive it is.
Similarly, an individual must purchase long-term care insurance before a
problem occurs.
There are two basic types of long-term care insurance: comprehensive plans
and non-comprehensive plans. The comprehensive plans are those that
cover care at all levels. These plans cover both home health and nursing
home care as well as care in a community based setting such as assisted
living.
The non-comprehensive plans are those that cover only home health care or
nursing home care. Home health care only plans cover care from nurses and
therapists, as well as personal care from health aides and housekeepers
provided in the home. Nursing home only plans provide a daily benefit to
cover the cost of a stay in a skilled nursing facility.
Generally, anyone who is in reasonably good health up to age 99 can qualify
for long-term care insurance. There are many conditions and maladies which
can cause a person to become uninsurable at any age. Therefore, the best
time to consider long-term care coverage is when an individual is healthy. A
policy holder will likely pay higher premiums if he waits until an illness has
forced him to get a long-term care policy or if he is suffering with
approaching symptoms.
Company policies have many different combinations of coverages. Most offer
to pay a fixed dollar amount each day in which care is received. Other
policies offer to pay a percentage of the cost of services or a specified dollar
amount to cover the actual charges for care. These policies must provide for
coverage to increase as nursing home costs rise. Without inflation
protection, a consumer will be left with a benefit that is meaningless.
Long-term care benefits are also offered as part of some individual life
insurance policies. Under this plan, a percentage of a policy's death benefit is
paid when long-term care is needed, and the death benefit and cash values
are reduced accordingly. These policies also commonly have strict rules for
qualifying for coverage.
====================
Features Available in Long-Term Care
Insurance Policies
Some of the most common features found in long-term care policies are
listed below:
No prior hospital confinement required.
Benefits begin immediately after an individual qualifies with no elimination
period.
Full waiver of premium after 90 days of benefits.
Pre-existing conditions covered immediately, if listed on the application.
Alzheimer's disease and senility are covered as any other sickness.
Benefits can be paid directly to the policy holder.
Premiums cannot increase because of age or health claims submitted.
A long-term care facility does not have to be Medicare approved.
The following are some of the key features that should be included in a
long-term care policy so that it will best serve the policy holder:
A policy which pays death benefits. These policies refund to the deceased's
estate any premiums paid, minus any amounts paid out to the deceased if he
dies before a specified age, usually 65 or 70.
A policy that has a "nonforfeiture provision". These return some of the policy
holder's equity if the policy is dropped. Nonforfeiture generally only takes
effect after premiums have been paid for a specified period.
A policy with a fixed premium policy. Some policies do not fix premiums, but
rate them on an attained age basis. What may begin as affordable when the
policy holder is young becomes less affordable as he approaches an age and
condition when more care is needed.
A policy with an inflation rider that adjusts the benefit rate at the time of use,
rather than one that establishes future adjustments at the time of purchase.
The rates assumed at purchase may later prove unrealistically low.
It is preferable to have the rate adjusted at the time of use.
A policy which covers a wide range of provider and facility types. Some
coverage is limited to the use of providers with certain licenses, certification,
facility type, size (number of beds), or staffing requirements.
A policy with at least four years of coverage for a nursing home stay. There
are maximum benefit periods beyond which an individual will not be covered
for a particular event, such as a nursing home stay.
A policy with a waiting period that balances an individual's desire for early
coverage against the level of the maximum benefit period. There are usually
waiting periods before coverage, generally up to 100 days, but as much as
one year. Obviously, it is desirable to obtain a policy that has a relatively brief
waiting period.
A policy with no prior hospitalization requirement before it will cover home
care. All levels of care should be covered. Coverage for non-skilled care
should not require the prior use of skilled care.
A policy that reimburses the actual cost of service. Some policies pay a fixed
sum, no matter what the actual cost. These are desirable because they
eliminate most or all of the copayment.
A policy with few or no exclusions for pre-existing conditions.
A policy with a premium waiver during confinements. The policy holder
should not be required to pay premiums during the period of confinement.
A policy with premium discounts for nonsmokers and for policy holders who
do not live alone.
A policy with a grace period of seven to thirty-one days before the policy is
dropped in case the policy lapses.
A policy that is comprehensive in that it covers both nursing home and home
care.
These should have wide services and few restrictions. Ideally, the policy
should cover usual and customary charges, rather than simply providing an
indemnity benefit.
A policy that includes an option to upgrade coverage in the future without
again having to prove insurability.
A policy that is guaranteed renewable. This policy cannot be canceled, except
if an individual fails to pay a premium or if he is found to have lied on the
application.
Couples can buy a joint long-term care policy that has a lower premium than
two individual policies. Unfortunately, some companies do not offer this
feature.
==============
Benefits Available in Long-Term Care
Insurance Policies
Some of the benefits commonly found in long-term care policies are
described below:
A daily amount payable for nursing home care based on the amount selected,
up to $300 per day (typically).
A daily amount payable for home health care can be 50 percent or 100 percent
of a selected nursing home care benefit.
Indemnity VS. Reimbursement Policies
Most long-term care insurers offer indemnity policies that cover a fixed daily
benefit amount. The advantage of these contracts is that they provide extra
money to pay for those "incidental" charges that always pop up.
Reimbursement plans repay the insured for the actual cost of care up to a
predetermined maximum. Since these plans pay no more than actual claims,
rates tend to be lower and more likely to remain so longer than indemnity
types.
A daily amount payable for adult day care and hospice service equal to 50
percent of a selected nursing home care benefit.
An individual can select how long the benefit periods are payable (one, two
three, four, five years, or a lifetime benefit).
Alternative care: Policies will pay benefits for any other type of care or
service that is provided in lieu of a nursing home confinement, such as
assisted living facilities.
Medic alert systems: Policies will pay for the rental of a medic alert system
when someone is receiving home health care benefits. Policies also will pay
for the system for as long as the insured continues to receive home health
care benefits under the policy.
Lifetime waiver of premium: All future premiums are waived for the surviving
spouse in the event of a covered spouse's death, after coverage has been in
effect for more than five years.
Ten percent discount of monthly premiums when husband and wife apply for
coverage at the same time and for the same benefits.
Inflation protection benefit, which increases daily benefits by five percent
compounded annually (optional).
Return of premium benefit, returns up to 80 percent of premiums after ten
years (optional).
Indemnity and integrated contracts
Most long-term care policies are issued on an indemnity basis which means
that the contract provides a daily maximum benefit, such as $175 per day, for
each day of stay at a nursing or other long-term care facility. Home care and
residential care facility benefits are usually expressed as a percent of
nursing home benefits typically 50 percent.
Elimination (Waiting) Period
Once an individual begins to require long-term care, an elimination period
takes effect. The elimination period is the length of time, measured in days
that the insured must wait before the policy starts paying for care. An
elimination period is similar to a deductible on most other types of insurance.
For example, if a policy has a 30-day elimination period, the policy holder pays
for the first 30 days of confinement and begins receiving benefits on the
thirty-first day of confinement.
Free Look Period
All long-term care policies must provide a "free look" period of at least 30
days. This gives the policy holder an opportunity to fully review the policy. In
order to receive a full refund, the policy must be returned before the 30 days
are up.
Preexisting Conditions
When an individual is considering a long-term care policy, the insurance
company is only permitted to inquire about preexisting mental or physical
conditions for which he has been diagnosed or treated within a six-month
period prior to the date of application for the policy. A preexisting condition
which was treated or diagnosed during this period may be excluded from
coverage for no more than six months after the effective date of the policy.
Some companies have no waiting periods or preexisting conditions.
Guaranteed Renewability
Guaranteed renewable means that a policy cannot be canceled because of
health reasons. However, it can be canceled for nonpayment of premiums, or
if incorrect or incomplete information was provided on application. Groups
can terminate group policies, but the individual policy holder will be allowed
to continue coverage with another group or conversion to an individual
policy.
Today, all new long-term care policies are guaranteed renewable. Therefore,
coverage cannot be cut off as long as a policy holder pays all the premiums
on time. For example, the premiums cannot be raised arbitrarily if the policy
holder becomes ill.
Waiver of Premium
The waiver of premium is a provision in some policies to relieve the insured
of premium payments which become due during a period of continuous total
disability lasting for a specified length of time, such as three or six months.
Or, this period of continuous total disability may last for a specified number of
days. During this time, the policy holder will receive benefits when being
confined in a nursing home. For example, a waiver after 90 days means that
after 90 consecutive days of confinement in a nursing home, the policy
holder could continue to collect benefits without continuing to pay the policy
premium for as long as that confinement lasts
=======
long-term care insurance does not include life insurance policies (1) that
accelerate the death benefit specifically for one or more of the qualifying
events of terminal illness, a medical condition that requires extraordinary
medical intervention, or permanent institutional confinement and (2) that
provide the option of a lump-sum payment for the previous benefits if neither
the benefits nor the eligibility for benefits is conditional upon the receipt of
long-term care.
=============
LONG TERM CARE, Exclusions and Limitations
Exclusions and limitations by type of illness, treatment, medical condition, or
accident are prohibited, except in the following cases:
preexisting conditions. The definition of preexisting conditions, however,
can be no more restrictive than to exclude a condition for which treatment
was recommended or received within 6 months prior to the effective date of
coverage. In addition, coverage can be excluded for a confinement for this
condition only if it begins within 6 months of the effective date of coverage.
mental or nervous disorders (but this does not permit the exclusion of
Alzheimer's disease)
alcoholism and drug addiction illness, treatment, or medical condition arising
out of war, participation in a felony, service in the armed forces, suicide, and
aviation if a person is a non-fare-paying passenger
treatment provided in a government facility, unless required by law
services for which benefits are available under Medicare or other
governmental programs, with the exception of Medicaid
services for which benefits are available under any workers' compensation,
employer's liability, or occupational disease law
services available under any motor vehicle law
services provided by a member of the covered person's immediate family
services for which no charge is normally made in the absence of insurance
expenses for services or items available or paid under another long-term
care insurance or health policy
In addition, the model legislation permits exclusions and limitations for
services provided outside the United States and for legitimate variations in
benefit levels to reflect differences in provider rates.
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Start planning now: Many options to pay for
long-term care...
As you get older, are you ready for the possibility that you’ll need to pay for
long-term care?
Whether it’s in-home care or a nursing home, long-term care can be
expensive. Assisted-living facilities average around $$$ -
----------
long-term care...
As you get older, are you ready for the possibility that you’ll need to pay for
long-term care?
Whether it’s in-home care or a nursing home, long-term care can be
expensive. Assisted-living facilities average around $$$ -
----------
options to pay for long-term care...
1. Medicaid
Medicaid is a federal program, administered by
each state, that helps pay medical expenses
and long-term care costs for people with low
income and few assets. While Medicaid may pay for long-term
care costs, there are strict financial rules for eligibility.
That often means spending down your assets before coverage kicks in. In
doing so, you may lose your ability to leave a financial legacy to your family or
a charity.
1. Medicaid
Medicaid is a federal program, administered by
each state, that helps pay medical expenses
and long-term care costs for people with low
income and few assets. While Medicaid may pay for long-term
care costs, there are strict financial rules for eligibility.
That often means spending down your assets before coverage kicks in. In
doing so, you may lose your ability to leave a financial legacy to your family or
a charity.
Options to pay for long-term care...
2. Long-term care insurance
This is an insurance policy that helps pay
some of the expenses associated with long-
term care that aren’t covered by health
insurance.
Policies could cover care at home, assisted-living facilities, or nursing
homes. Like other insurance policies, you’ll select the amount of coverage
you want and pay premiums.
When you need coverage, there’s typically a period of a few months before
the insurance company will begin reimbursing you for long-term care
expenses.
2. Long-term care insurance
This is an insurance policy that helps pay
some of the expenses associated with long-
term care that aren’t covered by health
insurance.
Policies could cover care at home, assisted-living facilities, or nursing
homes. Like other insurance policies, you’ll select the amount of coverage
you want and pay premiums.
When you need coverage, there’s typically a period of a few months before
the insurance company will begin reimbursing you for long-term care
expenses.
Options to pay for long-term care...
3. Other insurance and guaranteed options
There are other types of insurance and
guaranteed income options. Some life insurance policies
may allow you to borrow against the policy or withdraw benefits early in
certain cases to help pay for long-term care expenses.
Check with your insurance carrier or financial professional for more
information about these features and how they affect the death benefit of
the life insurance policy.
Income annuities are another option. Annuities are contracts between you
and an insurance company.
You pay a lump sum up front, and in return, the insurance company pays you
a guaranteed annual income.
Besides providing regular income in retirement, some annuities have
special contract terms designed specifically to help cover the costs of
long-term care.
3. Other insurance and guaranteed options
There are other types of insurance and
guaranteed income options. Some life insurance policies
may allow you to borrow against the policy or withdraw benefits early in
certain cases to help pay for long-term care expenses.
Check with your insurance carrier or financial professional for more
information about these features and how they affect the death benefit of
the life insurance policy.
Income annuities are another option. Annuities are contracts between you
and an insurance company.
You pay a lump sum up front, and in return, the insurance company pays you
a guaranteed annual income.
Besides providing regular income in retirement, some annuities have
special contract terms designed specifically to help cover the costs of
long-term care.
Options to pay for long-term care...
4. Self-funding
Self-funding might mean tapping into your
savings, retirement, or investment accounts. Self-
funding for long-term care requires a lot of time, a lot of assets, or both.
And there’s the risk that the expenses from long-term care could exhaust
your retirement savings.
If you can really plan ahead, you might be able to invest money over time to
cover long-term care expenses.
You might even set up an account specifically to spend on long-term care.
A Roth IRA (individual retirement account) is an option. These retirement
accounts allow you to put in after-tax money and withdraw it tax free later in
life. And unlike a traditional IRA,
Roth IRAs allow you to withdraw money before retirement without paying a
penalty.
Unlike a 401(k) or traditional IRA, you’re not required to withdraw a minimum
amount of money at any specific age.
So you could leave the funds in the Roth IRA until you needed them to cover
long-term care costs.
4. Self-funding
Self-funding might mean tapping into your
savings, retirement, or investment accounts. Self-
funding for long-term care requires a lot of time, a lot of assets, or both.
And there’s the risk that the expenses from long-term care could exhaust
your retirement savings.
If you can really plan ahead, you might be able to invest money over time to
cover long-term care expenses.
You might even set up an account specifically to spend on long-term care.
A Roth IRA (individual retirement account) is an option. These retirement
accounts allow you to put in after-tax money and withdraw it tax free later in
life. And unlike a traditional IRA,
Roth IRAs allow you to withdraw money before retirement without paying a
penalty.
Unlike a 401(k) or traditional IRA, you’re not required to withdraw a minimum
amount of money at any specific age.
So you could leave the funds in the Roth IRA until you needed them to cover
long-term care costs.
