“Older Pre-Retirees Worry a Lot About Social Security: Gallup”

“Older Pre-Retirees Worry a Lot About Social Security: Gallup,” by Michael Fischer, ThinkAdvisor Quote: “Fifty-one percent of pre-retirement American adults in the 50-to-64 age group are very concerned about the Social Security system, Gallup reported Friday. In contrast, only one-third of young adults expressed a great deal of concern about the system. … As for Americans in the 30-to-49 age bracket, the percentage expressing a lot of concern about Social Security has held steady in the range of 46% to 52% since 2005, according to Gallup. In the current poll, 49% said they worried a great deal. Unsurprisingly, majorities of
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Categories: Clippings, Industry News, and Long-Term Care.

“New way of defining Alzheimer’s aims to find disease sooner”

“New way of defining Alzheimer’s aims to find disease sooner,” by Marilynn Marchione, AP Quote: “Government and other scientists are proposing a new way to define Alzheimer’s disease — basing it on biological signs, such as brain changes, rather than memory loss and other symptoms of dementia that are used today. The move is aimed at improving research, by using more objective criteria like brain scans to pick patients for studies and enroll them sooner in the course of their illness, when treatments may have more chance to help. But it’s too soon to use these scans and other tests
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Categories: Clippings, Industry News, and Long-Term Care.

“Do You Have What It Takes? A Workbook in Preparation for Caregiving”

“Do You Have What It Takes? A Workbook in Preparation for Caregiving,” by Judith M. Ashley, Today’s Caregiver Quote: “Twenty years ago, for the last six weeks of her mother’s life, the author was her mother’s primary caregiver. Her mother wished to die at home and, at that time, there was little in the way of resources to prepare the author for, or guide her through, such a responsible and emotionally-charged experience. In this, her second book, the author set out to create a practical, self-help workbook to support those who find themselves considering taking on a caregiving role and,
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Categories: Clippings, Industry News, and Long-Term Care.

GoldenCare Newsletter | April 9, 2018

In this GoldenCare Newsletter Edition From GoldenCare: Guarantee Trust Life Insurance Company’s recently-launched Home Health Care product complements the Critical Cash plan so well – it’s a close comparison!   Get your apps in now through the end of May, write both policies on an individual client and DOUBLE your earnings! Get all the details in this Edition.  Good Luck! Diversify your portfolio for greater sales success! Our new training schedule is posted!  Join us for complimentary product and sales training and receive a Continuing Education Voucher for each unique event!  Voucher does not apply in KY. To register, Click Here. Our Guest
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Categories: Genworth, GoldenCare News, Guarantee Trust Life, Industry News, Life Secure, Long-Term Care, Mutual of Omaha (& Affiliates), Securian, and Transamerica.

“Why Americans’ Life Expectancy Is Getting Longer”

“Why Americans’ Life Expectancy Is Getting Longer,” by Robert Preidt, HealthDay Quote: “Americans appear to be aging slower than they used to, which may help explain recent gains in life expectancy, researchers say. The researchers compared how biological age changed in the United States compared to age in years (chronological age). … To calculate biological age, the researchers used several benchmarks for metabolism, inflammation, organ function, blood pressure and breath capacity. … Older adults had the greatest decreases in biological age, and men had greater declines than women.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): 
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Categories: Clippings, Industry News, and Long-Term Care.

“Arthritis: Long Term Pain May Require Long Term Care”

“Arthritis: Long Term Pain May Require Long Term Care,” Advisor Magazine Quote: “It’s true that arthritis can be the result of years of wear and tear; however, it’s not just the result of getting older. In fact, the average age of onset for arthritis is just 47 years old. While this number may come as a shock, it’s also true that arthritis is a condition that plagues more than 65% of our oldest Americans, especially women. … The Society of Actuaries stated in 2014 that 17% of female home care claims are due to arthritis, and it’s the second leading cause
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Categories: Clippings, Industry News, and Long-Term Care.

“Understanding the Hidden $1.1 Trillion Welfare System and How to Reform It”

“Understanding the Hidden $1.1 Trillion Welfare System and How to Reform It,” by Robert Rector and Vijay Menon, Heritage Foundation Backgrounder Quote: “The true cost of welfare or aid to the poor is largely unknown because the spending is fragmented into myriad programs. Current welfare is focused largely on increasing benefits and enrollments and redistributing income. Self-defeating behaviors that increase the need for assistance are rarely even mentioned. Policymakers should replace welfare’s current focus with a new set of interlinked goals: reducing self-defeating and self-limiting behaviors, increasing self-support, and improving true human well-being. Welfare reform should (1) require all able-bodied
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Categories: Clippings, Industry News, and Long-Term Care.

In-Force Rate Action Announcement: New Stable Premium Option for Choice 1 Policyholders

To help mitigate the impact of current and future planned premium increases, we are providing an additional coverage option for most of our Choice 1 policyholders to consider when faced with a premium increase. Beginning on April 9, 2018, the new Stable Premium Option Endorsement will be available in states where it’s allowed. This option provides a guarantee that the new premium associated with the Stable Premium Option will not increase until at least 2028, along with the following specific set of benefits1: A three-year benefit period for individual policies and a six-year benefit period for shared policies. (Remember, the
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Categories: Genworth, Industry News, and Long-Term Care.

Critical Illness to the Rescue

There’s no need to walk away from a sale just because a prospective client doesn’t qualify for LTCi or doesn’t want to pay for coverage they feel they may never use. We encourage you to offer these people a Mutual of Omaha Critical Illness policy. Covered conditions include cancer, stroke and Alzheimer’s disease — many of the same conditions that lead people to need long-term care services. Mutual of Omaha’s CI includes a built-in return of premium benefit, lifetime coverage issued up to age 64, and no reduction in benefits at age 65. Best of all, benefits are paid directly
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Categories: Critical Illness, Industry News, and Mutual of Omaha (& Affiliates).

Medicare Supplement News – Omaha Family of Companies

SELECT Directory Updates Updates have been made to the Mutual of Omaha, United World, United of Omaha and Omaha Insurance Company Medicare SELECT Provider directories for Arkansas and Ohio. Note: Due to extremely low ordering volumes, the SELECT Provider Directories will no longer be available for ordering through our normal ordering system.   Upcoming Rate Adjustments View upcoming rate adjustments for AK, KS, MT and TN. •  2010 Modernized Rate Adjustment – AK •  2010 Modernized In force Only – KS •  1990 Standardized Rate Adjustments – AK, KS, MT, TN   #goldencareagent #mutualofomaha
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Categories: Industry News, Medicare Supp./Adv., and Mutual of Omaha (& Affiliates).