By Benjamin Lipson
A realistic advisor TO THE advanced factor OF long term CARE INSURANCE
"Next to purchasing the appropriate long term care coverage, procuring and examining J.K. Lasser's selecting the best long term Care coverage is the easiest funding seniors and their households could make to assist insure independence and dignity of their golden years."
-Scott Harshbarger, President and CEO, universal Cause
"An critical booklet for all these involved that the price of overall healthiness care will rob their previous age of dignity and independence. the writer, Ben Lipson, an articulate suggest of sufferer rights and an expert on medical insurance, presents a lucid highway map in a terrain mined with hokum."
-Bernard Lown, MD, winner of the Nobel Peace Prize
"Long-term care assurance is a much-needed and priceless coverage proposal, advertised in a maze full of smoke and mirrors. such a lot of what passes for buyer counsel is simply normal details and superficial recommendation. yet Ben Lipson's ebook takes you by means of the hand, leads you thru the assurance labyrinth, and shines a much-needed mild at the product."
-Charlie Sabatino, President, nationwide Academy of Elder legislations Attorneys
severe assurance may also help you:
* come to a decision no matter if you're one of the forty percentage of people that don't have to shop for long term care insurance
* obtain the advantages you bought in case you have to make a claim
* Distinguish among truth and fiction in the course of a revenues pitch
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The purpose of the ebook is to supply an outline of probability administration in existence insurance firms. the point of interest is twofold: (1) to supply a extensive view of different issues wanted for danger administration and (2) to supply the mandatory instruments and methods to concretely practice them in perform. a lot emphasis has been placed into the presentation of the e-book in order that it provides the speculation in an easy yet sound demeanour.
(Zu Versicherungsmathematik eleven. ) In diesem "höheren" Band der Versicherungsmathematik haben wir uns durch geeignete Stoffauswahl vor allem das Ziel gesteckt, die Ver sicherungsmathematiker davon zu überzeugen, daß wichtige technische Probleme der Versicherungspraxis nur durch Verwendung der \Vahr scheinlichkeitstheorie und Resultate aus der mathematischen Statistik gelöst werden können.
Monetary chance and Derivatives presents a very good representation of the hyperlinks that experience constructed lately among the idea of finance on one hand and coverage economics and actuarial technological know-how at the different. Advances in contingent claims research and advancements within the educational and sensible literature facing the administration of monetary hazards mirror the shut relationships among assurance and ideas in finance.
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Extra info for J.K. Lasser's choosing the right long-term care insurance
1 As medical technology and research advance, more of us than ever before will require substantial assistance. Both Democratic and Republican administrations have investigated ways to shift this public burden back to the individual by encouraging privatization of Social Security and long-term care coverage. S 16 CCC-Lipson 1 (1-62) 1/29/02 3:53 PM Page 17 SPENDING MONEY YOU DON’T HAVE TO BUY INSURANCE Nonetheless, insurance companies know that private long-term care policies are not always the answer.
People have paid insigniﬁcant medical deductibles at their yearly physicals, and then all the diagnostic tests and consultations have been covered by their health insurance. They’ve been spoiled. And they assume that, somehow, managing longterm care costs will be just as easy. Let me say it unequivocally: In most if not all situations, your long-term care will not be funded by your health insurance—whether you’re 35 or 85. What Choices Do You Have? Crystal ball gazing is a challenge, but we can make some rational, intelligent, educated guesses about our long-term care options.
Use this argument with an insurance agent, and he will respond, “Yes, you are really rich. But suppose you become cognitively impaired or unable to make your wishes known. ” Sad but true. A carefully constructed trust can reserve and preserve money, designating that it may be used only for your care. It will include your wishes for your old age. Add a trustworthy trustee, and you can move conﬁdently into your ﬁnal years, knowing you’ll be cared for as you desire. 19 CCC-Lipson 1 (1-62) 1/29/02 3:53 PM Page 20 20 ALTERNATIVES TO LONG-TERM CARE INSURANCE Use Your House For most of us, our house is our largest asset.