Pennsylvania Medicaid Planning: What Can a Healthy Spouse Keep?Joseph M. Masiuk
Medicaid is important to many seniors who were qualified for Medicare, because Medicaid will pay for long-term care. There are asset and income limits that govern eligibility, but the healthy spouse is entitled to certain property rights. Learn more about Pennsylvania medicaid planning in this presentation.
The most discussed trends in healthcare are the current and looming staffing shortages. How big the shortage is, what can be done about it, and who will be affected are all being debated at water coolers across the country. Get caught up on this hot topic by reviewing the infographic below: Physician Trends – Supply and Demand.
Use a HECM Reverse Mortgage as a Funding Strategy for CareGeorge Omilan
For your clients, 62 and older, a Reverse Mortgage Standby Line of Credit can be used to create a senior care funding strategy so that your clients can receive the care they need while remaining in their home.
Pennsylvania Medicaid Planning: What Can a Healthy Spouse Keep?Joseph M. Masiuk
Medicaid is important to many seniors who were qualified for Medicare, because Medicaid will pay for long-term care. There are asset and income limits that govern eligibility, but the healthy spouse is entitled to certain property rights. Learn more about Pennsylvania medicaid planning in this presentation.
The most discussed trends in healthcare are the current and looming staffing shortages. How big the shortage is, what can be done about it, and who will be affected are all being debated at water coolers across the country. Get caught up on this hot topic by reviewing the infographic below: Physician Trends – Supply and Demand.
Use a HECM Reverse Mortgage as a Funding Strategy for CareGeorge Omilan
For your clients, 62 and older, a Reverse Mortgage Standby Line of Credit can be used to create a senior care funding strategy so that your clients can receive the care they need while remaining in their home.
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Learn how I saved thousands of dollars on healthcare coverage for my family, and still met their healthcare needs by performing just 20 hours of research.
This session offers more advanced content on the Critical Time Intervention model and how it applies to families. Speakers will discuss the practical application of the model for families with varying barriers to housing and services. Participants will walk away from this session with an in-depth understanding of how the model can improve outcomes for families in their community.
It may be difficult to face the fact that your health may decline, but statistics suggest that approximately 70% of people will need long term care services at some point after age 65. This presentation advises on proactive long term care planning, including types of long term care, managing the cost of long term care, and long term care insurance options.
If the only certainties in life are death and taxes, a big uncertainty is how the later years of life will play out. We all hope for many years of both physical and mental health, but we’ve seen in our own families what happens when loved ones become ill or lose cognitive function. We’ve also seen what this can mean in terms of finances, care and stress on families.
Fortunately, we can all take steps to plan for the aging journey, whatever challenges we may encounter. Proactive planning can help ensure having the financial resources to make sure you have choices when and if you need assistance in the future.
Long-term care is a growing concern among seniors and Baby Boomers alike. Yet few take the first step to planning for their care. Many don't know where to begin. Use our presentation to understand what LTC insurance covers and learn about alternate strategies to protect your assets, your family and your finances as you age.
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Learn how I saved thousands of dollars on healthcare coverage for my family, and still met their healthcare needs by performing just 20 hours of research.
This session offers more advanced content on the Critical Time Intervention model and how it applies to families. Speakers will discuss the practical application of the model for families with varying barriers to housing and services. Participants will walk away from this session with an in-depth understanding of how the model can improve outcomes for families in their community.
It may be difficult to face the fact that your health may decline, but statistics suggest that approximately 70% of people will need long term care services at some point after age 65. This presentation advises on proactive long term care planning, including types of long term care, managing the cost of long term care, and long term care insurance options.
If the only certainties in life are death and taxes, a big uncertainty is how the later years of life will play out. We all hope for many years of both physical and mental health, but we’ve seen in our own families what happens when loved ones become ill or lose cognitive function. We’ve also seen what this can mean in terms of finances, care and stress on families.
Fortunately, we can all take steps to plan for the aging journey, whatever challenges we may encounter. Proactive planning can help ensure having the financial resources to make sure you have choices when and if you need assistance in the future.
Long-term care is a growing concern among seniors and Baby Boomers alike. Yet few take the first step to planning for their care. Many don't know where to begin. Use our presentation to understand what LTC insurance covers and learn about alternate strategies to protect your assets, your family and your finances as you age.
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MGT 301Individual paper
Ericsson et al. (2007, HBR) – Deliberate practice
The article has managed to illustrate deliberate practice well; it has shown how far an individual can be able to reach if he or she decides to practice. It cannot be measured the level a person may be able to reach. However, a person may reach a level where they only use intuition instead of practicing to be able to deal with the problem they face each day.
The article has not managed to show us the bad side of deliberate practice. We have mostly been shown what we can achieve. We do not know the practicality of it in real life. Deliberate practice can be highly impractical. Some professions may not have the time to be able to practice due to the nature of fixed schedules. Coming back closer it can also be seen that women who have multiple small children are mostly under pressure to deliver care, making it impractical for deliberate practice. This shows their recommendation lacked practical utility.
Gladwell (Dec 15, 2008) – Predicting performance
Through Gladwell’s research, we concluded that most of the college quarterbacks may not be able to replicate the performance that they had in college in the N.F.L. The individuals could not predict which quarterback may have the chance to shine. Some of the bench quarterbacks while in college sometimes become big stars in the N.F.L who exceed expectations.
There is a high level of bias in the article, as we cannot tell if the research was conducted in the required way. The individuals had a lot of evidence but they misinterpreted it getting the wrong results. They only focused on one factor to come up with the conclusion rather than having several factors. This is because they did not have a system of evaluating the competencies of the players. The study was also based on previous data, which was speculative in nature and cannot be verified. The structures for data collection were not in place. This means they could not get the results they were looking for due to the range restriction. The prediction of quarterbacks in the N.F.L could be possible if better research is conducted.
Gladwell (2008, Outliers) – Practical intelligence
There are several things that may come about with having a high IQ. Individuals with high IQ develop at a much faster rate compared to normal individuals. This can be seen by the way Chris developed. In addition, high IQ comes together with a high ability to grasp and understand things, which may be hard for others.
The article appears to be unrealistic to some point. The narrator mostly focuses on appeasing the reader and passing the message rather than having facts. This can be known as narrative fallacy. It is not logical somethings to happen such as a child speaking at six months and listening to the radio to be able to know how to read. Children can only utter a few words at six months due to undeveloped speech organs and a person cannot learn to read by listening.
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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.
This workshop features three parts:
Secret #1: Converting Life Insurance to a Life Care Benefit Plan. There is $500 billion in life insurance death benefit in the hands of senior citizens 65 years or older in the US today, yet 88% of all policies will either lapse or be surrendered for little of no value. Find out if converting this benefit into a Life Care plan benefit is available to you.
Secret #2: Accessing Veterans Benefits. Veterans and surviving spouses can qualify for over $2,000 per month in long-term care services. Find out how.
Secret #3: Utilizing Long-Term Care Insurance or other Third Party Payors. Navigate your policy and uncover other local community payment relief options.
This presentation was given on 12/14/21 to help professional and lay caregivers understand how to help seniors in issues involving public benefits, including Social Security, SSI, Medicare, Institutional Medicaid and Medicare Savings Programs.
Introduction to AI for Nonprofits with Tapp NetworkTechSoup
Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
Biological screening of herbal drugs: Introduction and Need for
Phyto-Pharmacological Screening, New Strategies for evaluating
Natural Products, In vitro evaluation techniques for Antioxidants, Antimicrobial and Anticancer drugs. In vivo evaluation techniques
for Anti-inflammatory, Antiulcer, Anticancer, Wound healing, Antidiabetic, Hepatoprotective, Cardio protective, Diuretics and
Antifertility, Toxicity studies as per OECD guidelines
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
Macroeconomics- Movie Location
This will be used as part of your Personal Professional Portfolio once graded.
Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
1. The 9 Myths of Long Term
Care
Long Term Care Myths vs. Facts
Martha M. Zukowski, MBA, CLTC
Long Term Care Specialist & Educator
Toll Free: 877-516-7755
2. Myth #1
Most people won’t need long term care.”
70% of people turning age 65 can expect to use some
form of long term care in their lives.
- U.S. Department of Health & Human Services
Martha M. Zukowski, MBA, CLTC – 877-516-7755 Long Term Care Specialist & Educator
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12/3/2015
3. Myth #2
“I have enough savings to pay for care.”
The median annual rate of care in the U.S. is $45,188
for home health care and $87,600 for nursing home
care, and yet the average savings of a 50 year old is
only $43,797.
- Genworth 2014 Cost of Care Survey
Martha M. Zukowski, MBA, CLTC – 877-516-7755 Long Term Care Specialist & Educator
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12/3/2015
4. Myth #3
“I don’t need to plan. I’m still young.”
Nearly 41% of long term care is provided to people
under 65 years old who need assistance due to
diseases, injuries, disabling conditions, or accidents.
- Federal Long Term Care Insurance Program
Martha M. Zukowski, MBA, CLTC – 877-516-7755 Long Term Care Specialist & Educator
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12/3/2015
5. Myth #4
“I don’t need to plan. There’s
Medicare/Medicaid.”
Medicare does not pay the largest part of long term
care services, which include personal care and custodial
care. On the other hand, Medicaid does pay for
custodial care and medical care, but only for people
with low income and assets.
- U.S. Department of Health & Human Services
Martha M. Zukowski, MBA, CLTC – 877-516-7755 Long Term Care Specialist & Educator
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12/3/2015
6. Myth #5
“Health insurance covers long term care.”
In general, health insurance covers only very limited
and specific types of long term care – even less than
Medicare.
- U.S. Department of Health & Human Services
Martha M. Zukowski, MBA, CLTC – 877-516-7755 Long Term Care Specialist & Educator
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12/3/2015
7. Myth #6
“My family can take care of me.”
Family members who provide long term care
experience negative effects. 53% of family caregivers
had lost personal time which affects their relationships
and well-being. 44% had to work fewer hours and 20%
had direct loss of career opportunities.
- Genworth Beyond Dollars 2013
Martha M. Zukowski, MBA, CLTC – 877-516-7755 Long Term Care Specialist & Educator
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12/3/2015
8. Myth #7
“Long term care means going to a nursing
home.”
Long term care doesn’t necessarily mean entering a
nursing home right away. In fact, most care is provided
at home. Around 43% of all individual long term care
insurance policy benefits went for home care.
- American Association for Long Term Care Insurance
Martha M. Zukowski, MBA, CLTC – 877-516-7755 Long Term Care Specialist & Educator
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12/3/2015
9. Myth #8
“Some illnesses are incurable, so there’s no sense
in preparing for them.”
Incurable conditions like Alzheimer’s disease actually
require more careful planning because it involves loss
of executive function. You will need to take certain
measures to make everyone know your wishes if the
time comes.
- U.S. Department of Health & Human Services
Martha M. Zukowski, MBA, CLTC – 877-516-7755 Long Term Care Specialist & Educator
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12/3/2015
10. Myth #9
“I’m retiring soon. I don’t have time to plan anymore.”
Average life expectancy in the U.S. did not reach 65
until 50 years ago. But now, at age 65, you could expect
to live up to 18.4 years more, which could be
comfortable with sufficient planning.
- American Association for Long Term Care Insurance
Martha M. Zukowski, MBA, CLTC – 877-516-7755 Long Term Care Specialist & Educator
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12/3/2015
13. What Now?
Set Up an Appointment
Let’s discuss your options together via a shared computer/webinar to learn more
about this important plan and understand the consequences of needing care.
Don't mistake long term care to mean only insurance. A long term care insurance
policy is only one of the many ways you can prepare for your future long term care
needs. Long term care involves many concerns, from the type of services you'll
need, to where you live as you receive them, who provides them, and how it affects
the rest of your family as well.
Martha M. Zukowski, MBA, CLTC – 877-516-7755 Long Term Care Specialist & Educator
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