This document provides an overview of long-term care, including:
1) Long-term care refers to medical and social services for those with disabilities or chronic illnesses who need assistance with activities of daily living.
2) Medicare generally does not cover long-term care services.
3) Long-term care insurance helps pay for long-term care services such as nursing home care or home health care. There are financial and quality of life benefits to purchasing long-term care insurance for those who qualify.
4) The likelihood and costs of needing long-term care are significant and long-term care insurance can help cover these costs and protect assets. Determining if long-term care insurance is
Ignore LTC Planning at the Risk of Your Own Financial Peril.Dolf Dunn
This whole area of extended healthcare in retirement is so important to get right that I went and earned my CLTC designation. This area of your financial planning needs to be lead by someone who actually knows the subject matter. What is the difference between LTC planning and the Fiscal Cliff? You have great control over how you deal with LTC planning whereas you have no real say in what was decided by congress and the president last week.
Bad news can impact on any one of us at any time, in the form of an illness, or sudden death. We don’t like to think about it, but we do have to plan for it. So having the correct protection strategy in place will enable you to protect your family’s lifestyle if your income suddenly changes due to illness or your premature death. But choosing the right options can be difficult without obtaining professional advice to ensure you protect your family from financial hardship.
Ignore LTC Planning at the Risk of Your Own Financial Peril.Dolf Dunn
This whole area of extended healthcare in retirement is so important to get right that I went and earned my CLTC designation. This area of your financial planning needs to be lead by someone who actually knows the subject matter. What is the difference between LTC planning and the Fiscal Cliff? You have great control over how you deal with LTC planning whereas you have no real say in what was decided by congress and the president last week.
Bad news can impact on any one of us at any time, in the form of an illness, or sudden death. We don’t like to think about it, but we do have to plan for it. So having the correct protection strategy in place will enable you to protect your family’s lifestyle if your income suddenly changes due to illness or your premature death. But choosing the right options can be difficult without obtaining professional advice to ensure you protect your family from financial hardship.
8 Mistakes When Buying Long Term Care Insuranceptdavis
Here are 8 common mistakes people make when buying long term care insurance. Many policies are riddled with exclusions, limitations and restrictions (not to mention the lawyerese that is difficult, if not impossible, to understand) - all of which can prevent the insured from collecting benefits they thought were purchased. Don\'t fall victim to a policy\'s "small print"!
Understanding the basics of life insurance is essential when researching and ultimately choosing which life insurance is right for you and your family.
Life insurance: What PFMP Staff and Military Families Need to Knowmilfamln
Given the hazards of military service, especially deployment to a combat zone, life insurance is an important financial risk reduction tool for many military families. Yet, studies have found that life insurance is not well understood by consumers in general. Many people do not purchase an appropriate amount or type of coverage. This webinar will begin with a basic overview of life insurance including its purpose, types of policies, how to calculate a family's life insurance need, and life insurance resources. It will conclude with a discussion of military life insurance programs such as SGLI and VGLI. Join this session 12/10 at 11 a.m. ET. More information: https://learn.extension.org/events/1304
"By including a medicaid plan in your comprehensive estate plan, you can ensure that both you and your loved ones will be protected
in the event you ever need long-term care. Learn more about Texas long-term care and medicaid planning in this presentation."
Play by Play Attraction Flowchart
Have you ever been chatting up a chick and you had NO IDEA whether she was considering, "I want this loser would allow me alone" OR "Just take me home and tie us to the bed NOW"?
Follow This Flow Chart
8 Mistakes When Buying Long Term Care Insuranceptdavis
Here are 8 common mistakes people make when buying long term care insurance. Many policies are riddled with exclusions, limitations and restrictions (not to mention the lawyerese that is difficult, if not impossible, to understand) - all of which can prevent the insured from collecting benefits they thought were purchased. Don\'t fall victim to a policy\'s "small print"!
Understanding the basics of life insurance is essential when researching and ultimately choosing which life insurance is right for you and your family.
Life insurance: What PFMP Staff and Military Families Need to Knowmilfamln
Given the hazards of military service, especially deployment to a combat zone, life insurance is an important financial risk reduction tool for many military families. Yet, studies have found that life insurance is not well understood by consumers in general. Many people do not purchase an appropriate amount or type of coverage. This webinar will begin with a basic overview of life insurance including its purpose, types of policies, how to calculate a family's life insurance need, and life insurance resources. It will conclude with a discussion of military life insurance programs such as SGLI and VGLI. Join this session 12/10 at 11 a.m. ET. More information: https://learn.extension.org/events/1304
"By including a medicaid plan in your comprehensive estate plan, you can ensure that both you and your loved ones will be protected
in the event you ever need long-term care. Learn more about Texas long-term care and medicaid planning in this presentation."
Play by Play Attraction Flowchart
Have you ever been chatting up a chick and you had NO IDEA whether she was considering, "I want this loser would allow me alone" OR "Just take me home and tie us to the bed NOW"?
Follow This Flow Chart
ICT Sector Assessment Presentation prepared by IESC's Mehdi Sif and delivered in a public workshop in 2004, middle east telecommunications sector assesment, Free Trade Agreement, IESC, USAID, International Executive Service Corps
With the cost of Long Term Care Insurance continuing to rise, advisors look for new ways to deliver meaningful solutions to address the needs of the clients at death… and during their lives. We’ll take a closer look at what’s going on in the LTC Marketplace, and what solutions are appropriate to meet the needs of your high net worth clients.
Does Medicare Pay for Long-Term Care in New YorkMark Eghrari
For many, the solution is Medicaid. This program does pay for living assistance if you can qualify, but it is only available to people with limited assets. Many people obtain eligibility through a process called a spend down. Learn more about long-term care in New York in this presentation.
Can I Give Away Assets to Qualify for Medicaid in Indiana?Paul Kraft
"The Medicaid program will pay for long-term care, but it is a need-based program. To stay within the asset limits, people typically give assets to their loved ones
before they apply for coverage. Learn more about medicaid in Indiana in this presentation.
"
Long-term care (LTC) goes beyond medical care to include
all the assistance you could need if you ever have a chronic
illness or disability that leaves you unable to care for yourself
for an extended period of time (longer than 90 days). While
older people generally require the most long-term care services,
40% of long-term care claims are paid to someone under the
age of 64.* A young or middle aged person who has suffered a
debilitating illness or accident may also require care.
Long Term Care Planning - Why It Should Be Part of Your Estate PlanRobert Nash
When you sit down to create your estate plan your primary objective will likely be to ensure that your estate assets are handled according to your wishes when you die. Learn more about long term care planning in this presentation.
Many people and advisors understand the need for long-term care protection, but they need help understanding the different insurance solutions available today. LTCI Partners put together a Special Report with case studies looking at different LTC planning solutions -- Stand-alone LTC, Linked-Benefits LTC and Life Insurance with Chronic Illness riders.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Card
Long term-care-insurance-guide
1. 12th
Edition
Facts That Help Protect
Your Assets
& Quality of Life
LTC Financial Partners, LLC
1
LTCFP-DFL12
2. About LTC Financial Partners, LLC
Long-term care is a very complex issue. Fortunately, each LTC
Financial Partners agent is a neighbor, a member of your local
community and a specialist who has experience helping people
evaluate their unique situation and consulting with them on
possible solutions for long-term care insurance planning. Each
agent has developed successful and productive plans for people
who want to help protect their assets and still be assured of
receiving quality care.
Of the top 100 licensed agents who specialize in long-term care across
the United States, many are partners at LTC Financial Partners, LLC.
Only agents who are highly trained are invited to become partners
in LTC Financial Partners. Each is an owner who is committed to
understanding a client’s unique needs and goals.
Our Resources
Our company represents a wide range of insurance carriers
selling long-term care insurance. Each producer earns the same
commission, which allows objectivity in selecting the company that
meets each client’s special needs.
All material contained in this book is offered for informational
purposes only.
This is not an offer to sell long-term care insurance. The information
should not be construed as pertinent to your situation or as tax
advice. You are encouraged to speak with a long-term care expert
for advice and consult your own tax advisor regarding your
particular circumstances.
http://www.ltcfp.com
1
4. Before you read “Insider Tips”, it may be
Section I helpful for you to learn more about long
term care and financing options such as
long-term care insurance below.
However, if you would like to go directly
to “Insider Tips” please turn to page 11.
What is long-term care?
Long-term care is the medical and/or social services term for helping
people who develop disabilities or chronic care needs. For example, there
may come a time when you or a loved one need help walking, getting
dressed, eating or bathing. It also includes the kind of care you would need
if you had a severe cognitive impairment such as Alzheimer’s disease.
Long-term care services may be brief with full recovery, or it can continue
for years. Services may be provided in a person’s home, in the community,
or in a residential facility (e.g., nursing home or assisted living facility).
Will Medicare pay for long-term care?
Medicare is health insurance for people age 65 or older, under age 65 with
certain disabilities. You must have entered the United States lawfully and
have lived here for 5 years to be eligible for Medicare.
Medicare generally doesn’t pay for long-term care. Medicare also doesn’t
pay for help with activities of daily living or other care that most people
can do themselves. Some examples of activities of daily living include
eating, bathing, dressing and using the bathroom.
Medicare only pays for care in a skilled nursing facility in certain situations
and only for a defined period of time.
For nursing home care, Medicare will pay 100% of the first 20 days (providing
you are receiving daily skilled care). From days 21-100, you pay the first
$133.50 per day (2009) and Medicare will pay the balance. After day 100,
Medicare pays nothing and you are solely responsible for all costs.1
Visit http://www.medicare.com for specific details on this insurance program.
1
5. What is long-term care insurance?
Long-term care insurance pays for long-term care
services. Policies vary in terms of what they will cover
and insurance companies do require that applicants
qualify for the coverage through an underwriting
process.
I
What benefits do you get from long
term care coverage? Why do people
buy it?
As you would expect, a good long-term care insurance
policy delivers broad and flexible benefits to help
provide and pay for the long-term care services you need.
There are six common reasons why people want to buy this insurance
coverage:
1) Relieve the potential burden on their loved ones
2) Help to make certain they have a choice of care.
3) Help to make certain they maintain their independence
4) Help to protect the assets they’ve worked to earn (either for the
spouse or to pass on to an heir)
5) Avoid having to rely on Medicaid
6) Proactively make decisions that help protect their family and
themselves
Having long-term care coverage could save you hundreds of thousands
of dollars, should you need care.
Do you need long-term care insurance
protection?
Maybe you do or maybe you don’t – this is, of course, a personal decision.
The best way to make an intelligent decision is to look at the facts.
How likely are you to need long-term care?
What would you be placing at risk if you did need long-term care?
Can you afford the insurance?
2
6. What’s the likelihood you will need long-term care?
69%
20%
2
Don’t think that long-term care is just for elderly people. Young men
and women also need long-term care for a variety of reasons including
accidents, multiple sclerosis, strokes or other debilitating conditions.
40% of the people receiving long-term care are working age adults
between the ages of 18 and 64.3
What’s the likelihood that you’ll spend time in a
nursing home?
More than 70 percent of nursing home residents are women; their
average age at admission was 80.4
When you reach age 65, you have a 40% lifetime chance of entering a
nursing home, and a 10% risk that you will stay there at least five years.5
The average length of stay in a nursing home (current resident) is 835 days.6
What will you pay for nursing home care?
The national average rate for a private
room in a nursing home is $212 a
day,7 or $77,380 annually. That equals
$177,020 for the average nursing
home stay of 2.29 years.
Alaska – High Cost of a Private Room: $875 x 835 days 7
Louisiana – Low Cost of a Private Room: $90 x 835 days 7
3
7. What if you want care at home?
How much will that cost?
If you’re like most people who need care, you would
prefer to stay in the comfort of your own home. For this
reason, many people do receive care at home instead of, I
or prior to, a nursing home stay. Long-term care insurance
may include coverage for at-home care. Full-
time home health care can cost just as much
as nursing home care. The average hourly
rate for home care is $18 for a Homemaker/
Companion and $20 for a Home Health Aide. 8
It’s important to keep in mind that this is just
part of the cost because, if you live in your
own home, you may still have to pay to take
care of your home. However, for most people,
home care services are combined with care
from family members and cost considerably less than nursing
home care.8
Is LTC Insurance financially appropriate
for me?
Insurance may be the right solution, but it depends on your
circumstances. In our experience as long-term care financing
specialists, we recognize where the need may be greatest. For example:
• If you have minimal assets, long-term care insurance is generally
inappropriate because the premiums may deplete those assets and
you will likely qualify for Medicaid anyway.
• If you are independently wealthy and can pay for long-term care
yourself, the coverage may nevertheless be very attractive because
the relatively modest premium makes sense when compared to the
likely high costs of the care.
• If you have assets worth protecting, but are not independently
wealthy, you need to get the facts about long-term care insurance and
consider this coverage as an alternative to paying for the care yourself.
4
8. To get the complete guide to long-term care insurance, visit:
http://www.ltcfp.com
You can also request a long term care insurance quote
or find an agent in your state.
1