Include LTCi in Retirement Planning

Most people understand the basics of retirement planning. Save money, make good investments and contribute to a pension or 401k account. But many people are missing a necessary part of retirement planning—how to pay for long-term care services. A MutualCare Solutions long-term care insurance policy may be the piece your clients need to complete their retirement planning. Our policies cover basic needs like housekeeping and grocery shopping to care in an assisted living center or nursing home. And, the money your clients have saved can be used to enjoy retirement or set up a college fund for grandkids. If your
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Categories: Industry News, Long-Term Care, and Mutual of Omaha (& Affiliates).

Oregon & Texas – GTL’s Short-Term HHC Now Available

Oregon & Texas Short-Term Home Health Care Insurance Now Available on Paper Only •  $150, $300 or $450 maximum daily benefit options! •  $40, $80 or $120 per-day Home Health Care Aide benefits! •  New Return of Premium rider now available* •  Access to Ask Mayo Clinic online symptom assessment service •  Prescription benefit year maximum of $300 or $600 •  Consumer-facing video and infographic available! ORDER SUPPLIES   #goldencareagent #gtl
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Categories: Guarantee Trust Life, Industry News, and Short-Term Care.

Good News | GoldenCare Receives Kemper’s Top Agency Award For 2017

   GoldenCare Receives Kemper’s Top Agency Award For 2017 In 2017, GoldenCare was Kemper’s largest producing MGA. With the hard work of our agents, we reached our goal of taking the #1 spot! (In 2016, GoldenCare was the 2nd largest Kemper producer). Jack Broughton, Vice President of Kemper Senior Solutions, hand-delivered the award late last week. Watch Todd Anderson accept the award on behalf of GoldenCare We want to thank all of our agents for their hard work, for their business, and for helping make 2017 such a successful year! Watch your inbox for special product training on Kemper’s Home
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Categories: GoldenCare News, Industry News, and Kemper.

“Are Medicare Advantage Plans Steering Enrollees to Lower-Quality Nursing Homes?”

“Are Medicare Advantage Plans Steering Enrollees to Lower-Quality Nursing Homes?,” ElderLawAnswers Quote: “A new study has found that people enrolled in a Medicare Advantage plan were more likely to enter a lower quality nursing home than were people in traditional Medicare. The study raises questions about whether Medicare Advantage plans are influencing beneficiaries’ decisionmaking when it comes to choosing a nursing home.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Talk about the pot calling the kettle black! Elder law attorneys have dumped untold millions of their relatively affluent clients into Medicaid nursing homes at reimbursement
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Categories: Clippings, Industry News, and Long-Term Care.

“Clichés about only being as old as you feel are starting to have scientific backing”

“Clichés about only being as old as you feel are starting to have scientific backing,” by Marlene Cimons, Washington Post Quote: “One study, for example, found that as people get older, they consistently say they feel younger — much younger — than their actual age. Another study examining the attitudes of the offspring of centenarians concluded that the centenarians’ children — if they, too, were healthy and long-lived — have a strong sense of purpose and meaning to their lives, compared with the general population. Finally, there is evidence that positive attitudes about aging may reduce the risk of dementia,
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Categories: Clippings, Industry News, and Long-Term Care.

“65% of Baby Boomers Are Making a Huge Financial Mistake That Could Leave Them Broke”)

“65% of Baby Boomers Are Making a Huge Financial Mistake That Could Leave Them Broke,” by Christy Bieber, Motley Fool Quote: “Many pre-retirees think they don’t need to worry about healthcare because they anticipate care costs will be covered by Medicare. But the reality is that Medicare makes seniors responsible for picking up a significant percentage of their cost of care. Seniors may face high deductibles, coinsurance costs, premiums, and coverage limitations. … There are also many services Medicare doesn’t cover, including hearing aids, long-term care, and dental care. … Qualifying for Medicaid could also help you afford care costs by
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Categories: Clippings, Industry News, and Long-Term Care.

“Report identifies seven ways to prevent dementia”

“Report identifies seven ways to prevent dementia,” Medical Xpress Quote: “Anstey has estimated that close to 50% of dementia cases can be attributed to seven key modifiable lifestyle factors; midlife hypertension, diabetes, low educational attainment, smoking, physical inactivity, midlife obesity, and depression.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):  This does not mean those seven factors “cause” dementia, but it does show we suffer several parallel epidemics the resolutions of which are highly likely to have mutual benefits. Report identifies seven ways to prevent dementia #dementia #goldencareagent
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Categories: Clippings, Industry News, and Long-Term Care.

“Improper payments, bad data threaten access to long-term care, GAO health leader testifies”

“Improper payments, bad data threaten access to long-term care, GAO health leader testifies,” by Kimberly Marselas, McKnight’s LTC News Quote: “Despite efforts to reduce improper payments in Medicaid, they continue to increase — rising to about $37 billion in fiscal year 2017,  the Government Accounting Office’s healthcare director told members of Congress Thursday. ‘The Medicaid program alone accounted for 26.1 percent of the fiscal year 2017 government-wide improper payment estimate,’ Carolyn L. Yocom testified before the House subcommittees on Government Operations and Intergovernmental Affairs. ‘It is critical to take appropriate measures to reduce improper payments, as dollars wasted detract from
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Categories: Clippings, Industry News, and Long-Term Care.

“Breakthrough: Researchers fix Alzheimer’s gene”

“Breakthrough: Researchers fix Alzheimer’s gene,” by Ana Sandoiu, Medical News Today Quote: “Groundbreaking research shows, for the first time, how the most well-known genetic risk factor for Alzheimer’s disease causes signs in human brain cells. Also, the scientists managed to correct the gene and erase its harmful effects.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):  After so much heart-breaking news about Alzheimer’s research, it’s hard not to be dubious now. But hope springs eternal. Breakthrough: Researchers fix Alzheimer’s gene #alzheimer’s #goldencareagent
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Categories: Clippings, Industry News, and Long-Term Care.

“Is There Such A Thing As Normal Aging?”

“Is There Such A Thing As Normal Aging?,” by Bruce Horowitz, Kaiser Health News Quote: “Drawing on their decades of practice along with the latest medical data, Gill and three geriatric experts agreed to help identify examples of what are often — but not always – considered to be signposts of normal aging for folks who practice good health habits and get recommended preventive care.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):  If you’re older, read this article to see how you’re doing in comparison to others. If you’re younger, find out what you have
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Categories: Clippings, Industry News, and Long-Term Care.