“Older adults who started sleeping more than nine hours a night — but had not previously slept so much — were at more than double the risk of developing dementia a decade later than those who slept nine hours or less, researchers report.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Yawn. Prolonged Sleep May Be Early Warning Sign of Dementia #goldencareagent
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“Stroke rates continue to decline in people 55 and older, while more than doubling in those between 35 and 39, according to new research in Journal of the American Heart Association, the Open Access Journal of the American Heart Association/American Stroke Association.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Looks like the cohort just coming of age for LTCI brings with them some new, worrisome risk. Lowest stroke rates in older baby boomers; younger people rising #goldencareagent
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“Rambling and long-winded speech in middle or old age may be an early warning of approaching Alzheimer’s, research has found. Taking longer to choose the right word, or using ten where five would do, was linked to mild cognitive impairment (MCI), the condition that pre-dates dementia, in a study of 46 adults.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): Take this as a field underwriting tip when marketing to aging politicians. Rambling and long-winded? May be dementia, say scientists #goldencareagent
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“To be more precise, Lincoln Financial Group projected the national average charge for a private room to be $102,900, up 3.3% from what they reported a year earlier. I had thought using ‘breaks $100,000 for the first time’ in the headline would be more intriguing than using the actual number, and I was right. ‘Every time I read this story, I find it so irrelevant and damaging to the long-term care sector, and extremely self-serving,’ my long-time acquaintance fumed in his email. He went on to call the insurer’s report ‘distorted information, disguised as a research study, as a tactic
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“All retirees must plan today for the possibility that they will experience significant long-term care health expenditures. Large unplanned expenses, such as those relating to long-term care, have the potential to wreak havoc on a retirement income plan.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): This is a very long excerpt from an even longer “white paper.” Unfortunately, neither the abridged nor the full version takes account of Medicaid’s role as the dominant funder of long-term care in the U.S. This oversight obviates the paper’s conclusions about the need and demand for LTC insurance. You
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“This is the second of two articles in which we’ll describe specific tradeoffs, adjustments, and course corrections you can adopt right now to give yourself a more financially comfortable and enjoyable retirement, no matter how old you might be. Although starting young offers you the advantage of accumulating more retirement funds over time, there are a myriad of options and choices you can make in your 50s or 60s to bolster your financial security in retirement. If you haven’t had a chance to read part one, here’s the link to yesterday’s article. . . . To explore additional ideas and
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