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Previous generations did very little planning for long-term care needs because family members were usually available to provide care.
Today, the cost of nursing home care in the United States varies from $50,000 to over $100,000 per year.
Medicare, Medicare supplemental insurance (Medigap), and traditional health and disability insurance plans do not typically cover long-term care. Quality long-term care insurance is a means of protecting your financial independence against the event of costly long-term care in the future. But if Bernie Sanders’s revolution has run aground in California, which will be one of the last states to vote in the Democratic primary on June 7, he was not about to admit it here, where thousands gathered on a sun-drenched high-school football field of bright green turf. This is Sanders’s last stand, according to the official narrative of the corrupt corporate media, and if there is anything we have learned in the past year, it is the awesome power of the official narrative—the self-reinforcing drumbeat that dictates everything. A rock structure, built deep underground, is one of the earliest hominin constructions ever found.
In February 1990, thanks to a 15-year-old boy named Bruno Kowalsczewski, footsteps echoed through the chambers of Bruniquel Cave for the first time in tens of thousands of years. The cave sits in France’s scenic Aveyron Valley, but its entrance had long been sealed by an ancient rockslide. Nicholas and Erika Christakis stepped down from their positions in residential life months after student activists called for their dismissal over a Halloween kerfuffle. Last fall, student protesters at Yale University demanded that Professor Nicholas Christakis, an academic star who has successfully mentored Ivy League undergraduates for years, step down from his position as faculty-in-residence at Silliman College, along with his wife, Erika Christakis, who shared in the job’s duties. In 2006, Donald Trump made plans to purchase the Menie Estate, near Aberdeen, Scotland, aiming to convert the dunes and grassland into a luxury golf resort. A gay-rights amendment takes down a House appropriations bill, and with it might go the speaker’s grand plan to revive the congressional spending process.
The state-by-state fight for gay and transgender rights has reached the floor of the House of Representatives, and it is ruining Speaker Paul Ryan’s carefully-laid plans for reviving the congressional spending process.
Republicans and Democrats voted down an annual bill appropriating funds for energy and water programs on Thursday morning after Democrats succeeded in attaching an amendment to bar federal contractors from discriminating on the basis of sexual orientation or gender identity. A year after Obama saluted the families for their spirit of forgiveness, his administration seeks the death penalty for the Charleston shooter. On Tuesday, Attorney General Loretta Lynch announced she would seek the death penalty for Dylann Roof.
Washington voters handed Hillary Clinton a primary win, symbolically reversing the result of the state caucus where Bernie Sanders prevailed.
Washington voters delivered a bit of bad news for Bernie Sanders’s political revolution on Tuesday. Sanders has styled himself as a populist candidate intent on giving a voice to voters in a political system in which, as he describes it, party elites and wealthy special-interest groups exert too much control. The popular gene-editing technique can deliver a step-by-step account of how a single-cell embryo becomes a trillion-cell animal. On May 10, 1945, three days after Germany had surrendered to the Allied powers and ended World War II in Europe, a carefully selected group of scientists and military personnel met in an office in Los Alamos, New Mexico.
General Leslie Groves, the Army engineer in charge of the Manhattan Project, had been ruminating on targets since late 1944; at a preliminary meeting two weeks earlier, he had laid down his criteria. The Democratic Senate candidate can't back up family lore that she is part Indian -- but neither is there any evidence that she benefited professionally from these stories. Find books provided by the National Care Planning Council written to help the public plan for Long Term Care. From its inception, the goal of the National Care Planning Council has been to educate the public on the importance of planning for long term care. If we were to ask an older person what his or her most important concerns are we would probably get a variety of different answers. Although the elderly are definitely concerned about the need for long-term care it is not high on the list of concerns.
For the elderly the need for long-term care is probably the most catastrophic unexpected event that could happen.
No other late-life event can be as devastating to the lifestyle the elderly are so concerned about maintaining.
Ironically, older people painstakingly scrape together $100-$200 a month to buy Medicare supplement insurance to cover a risk about equal to their yearly premiums.
No one knows why people beyond age 65 are not more concerned about preparing for long-term care.
As if the current lack of planning for long-term care were not a great enough burden on the immediate or extended family, the failure to plan, for the current generation of baby boomers, could be even more devastating on spouse or family in the future.
It is estimated that 6 out of 10 people will need long term care sometime during their lifetime. With a large and growing number of single person households there is no spouse and oftentimes no children to provide care.
Children are moving far away or the elderly are relocating after retirement and this makes it difficult or impossible to provide the resulting long-distance caregiving.
The number of elderly as a percent of the population is growing larger putting a burden on the tax base and availability of money for government programs and the availability of younger caregivers. Medical science is preventing early sudden deaths which often results in a prolonged life with impaired health and a higher potential need for long-term care.
Government programs are already stretched thin for long-term care services and will experience even greater stress on available funds in the future. There is a worldwide trend, in all major industrial countries, to not deal with the problem of long-term care and very few countries, including the United States , have taken the initiative to adequately address the problem. Most healthy people in their 50s and early 60s prefer to ignore this future problem and their lack of planning will further burden public programs in the future. The failure of the current pre-retirement generation to plan for long-term care will have an even greater future negative impact on our culture and our families than the lack of planning does today.
Government programs such as Medicare, Medicaid and the Veterans Administration will cover the cost of long-term care under certain conditions. Medicaid will cover both medical and non-medical related long-term care but in order to qualify for Medicaid a person has to have less than $2,000 in assets and income that is insufficient to pay the cost of care. Based on our analysis of yearly, one-on-one care hours, we estimate that about 84% of all long-term care is not covered by government programs.
Based on the chart below about 71% of all long-term care hours are provided in the home by family.
Multiplying the two figures together gives us $313.2 billion of equivalent, current home care cost.
This is roughly 3 times the total current amount the state and federal government pays yearly for all long-term care services.
Many people are pushing the government to do just that--pay an increasing amount of home care services for the elderly. The estimated average length of stay for home care is 3 to 5 years depending on the care setting. A 1999 survey done by the National Council for Assisted Living e stimates the average length of stay in an assisted living facility ranges from approximately 2.5 to 3 years. Here is a sample of some of the excuses we have heard from people who refuse to plan for long-term care. People who use these objections to long-term care planning , typically have only a few basic, underlying, real reasons for rejecting the concept.


They don't think it's a problem, they're convinced it won't happen to them or they don't want to think about it. They don't think the gravity of the problem warrants their time or attention and they can put it off until some future date.
People who do eldercare planning are very likely to have gone through long-term care with a loved one and see the need for planning. People who refuse to do planning are more likely to have never experienced it and are prone to deny that long-term care can happen to them. Explanation: Your odds of needing long-term care go up as you get older, but you could also need it if you become ill or disabled earlier in life. Explanation: Most people who have long-term care need help with daily personal care, such as bathing, eating, getting dressed, and using the bathroom. Explanation: About 70% of people age 65 and older will need some kind of long-term care during their lives. Explanation: You think of nursing homes and assisted living facilities when you think of long-term care. Explanation: Women outlive men by an average of 5 years and are more likely to need long-term care. If women don't have relatives who can help care for them, their odds of being in a nursing home or assisted living facility go up.
Most insurance companies follow the same general rules as Medicare and pay for nursing care for only a short period.
Explanation: When it comes to long-term care insurance, how much you'll pay – and if you can get it – depends on your health. Explanation: A lawyer can help you with a living will (also called an advance health care directive), which outlines the care you want if you can't make decisions for yourself. These documents can be especially important if you have Alzheimer's disease or another form of dementia. Explanation: Long-term care insurance policies usually give you a fixed daily amount -- $100 to $200 a day -- toward care.
But changes in society, demography, and the family make this arrangement less feasible today and in the future.
Persons who may be able to afford long-term care through their income and personal savings represent a small minority of U.S. New York State and the federal government also consider long-term care insurance a viable financing option and, therefore offer long-term care insurance to their employees, retirees, and their family members. Kowalsczewski’s father had detected faint wisps of air emerging from the scree, and the boy spent three years clearing away the rubble. Because the student protests against them were prompted by intellectual speech bearing directly on Erika Christakis’s area of academic expertise, the outcome will prompt other educators at Yale to reflect on their own positions and what they might do or say to trigger or avoid calls for their own resignations. He and the estate’s owner, Tom Griffin, sat down to discuss the transaction at the Cock & Bull restaurant.
The provision drew bipartisan support only days after GOP leaders scrambled to defeat a similar amendment that Democrats tried to add to another appropriations bill—an embarrassing moment in which rank-and-file Republicans were cajoled into flipping their votes so the measure would fail. It has not been a year since Roof walked into Emanuel African Methodist Episcopal Church and murdered nine black people as they worshipped.
Hillary Clinton won the state’s Democratic primary, symbolically reversing the outcome of the state’s Democratic caucus in March where Sanders prevailed as the victor. As the primary election nears its end, Sanders has railed against Democratic leaders for unfairly intervening in the process, a claim he made in the aftermath of the contentious Nevada Democratic convention earlier this month. By studying and drawing worms of various ages, he figured out the ancestor and descendants of each of their cells.
With Germany out of the war, the top minds within the Manhattan Project, the American effort to design an atomic bomb, focused on the choices of targets within Japan. Each article is written to help families recognize the need for long term care planning and to help implement that planning.
With that goal in mind, we have created the largest and most comprehensive source of long term care planning material available anywhere.
This book (published in 2014) takes a comprehensive approach to address these challenges and provide solutions.
But according to surveys frequently conducted among the elderly, the most likely answers we would receive would include the following three principal concerns.
This is because the need for long-term care typically removes any level of security an elderly person may have with the three major lifestyle concerns mentioned above. No wonder many elderly care recipients withdraw, become angry and suffer from severe depression. It seems a paradox that someone would be more concerned about buying insurance for a home fire when the risk of long-term care is 600 times more likely. Perhaps they have seen it in their family or among friends and seen the effect that it has. It usually results in great sacrifice or financial cost on the part of the spouse or children. Here is a list of factors that will make long-term care in the future an even more pressing burden than it is today.
The population of elderly over 65 will double from about 37 million people today to about 77 million people in 2035, 30 years from now. The combination of fewer children, the increasing number of single person households and a growing number of elderly will eventually create a situation where there are more people needing care than there are available family caregivers. Over the next 50 years the elderly will grow from about 12% of the population to over 20% of the population.
Medicare will cover rehabilitation from a hospital stay or limited care at home if there is a skilled (medical) need. This is primarily family-provided home care to help with activities of daily living, or help with maintaining a home, providing meals and support, or care services providing supervision or companionship or providing transportation and shopping services.
If the Federal government had to pay all home care costs in this country combined with what it already pays for long-term care, the cost would be the third largest single expenditure in the federal budget exceeded only by Social Security and defense. Some of these objections seem perfectly reasonable and you may wonder why we list them as an excuse not to plan.
It's also interesting to note that from our experience some people who have seen long-term care in their family still fail to plan.
Some people who've had strokes or who have Alzheimer's disease require medical care or help with basic tasks like bathing and dressing. But most people receive care in their own homes, and about 80% of at-home care is given by relatives or other unpaid caregivers.
It doesn't pay for personal care like help with bathing, dressing, and using the restroom, or for someone to help you get around. How much you'll pay depends on how old you are when you buy it, your health, and how much coverage you want. Because these illnesses rob you of your ability to understand finances and other complex ideas, you need to identify someone you trust to make important decisions about your life and your care. Most policies pay for care in your home, in nursing homes, or in assisted living facilities. Smaller families, high migration patterns, more women in the workplace, and increased longevity mean a family member is less likely to be available as a caregiver, while you are more likely to need long-term care in the future.
This nursing home cost will more than double in 15 years if the current growth rate in nursing home costs continues.


Many financial experts today recommend long-term care insurance as a key element for most personal financial and retirement plans. He eventually dug out a tight, thirty-meter-long passage that the thinnest members of the local caving club could squeeze through.
Griffin recalls that Trump was a hard-nosed negotiator, reluctant to give in on even the tiniest details. The attempt succeeded this time, but it became moot hours later when the underlying $37.4 billion measure went down in a landslide vote of 305-112, with majorities of both parties voting against it. Roof justified this act of terrorism in chillingly familiar language—“You rape our women and you’re taking over our country.” The public display of forgiveness offered to Roof by the families of the victims elicited bipartisan praise from across the country.
The primary result won’t count for much since delegates have already been awarded based on the caucus. He has also criticized superdelegates—elected officials and party leaders who can support whichever candidate they chose—for effectively coronating Clinton. The group was loosely known as the Target Committee, and the question they sought to answer essentially was this: Which of the preserved Japanese cities would best demonstrate the destructive power of the atomic bomb? Certainly everyone is concerned about having his house burn down or having an accident or getting an illness or ending up in the hospital or needing long-term care but these things are typically beyond our control and we can't sit around and worry about them. Or what about the cost of insuring for an auto accident when the risk of long-term care is 120 times more likely and is potentially 20 times more expense? Because of the unsavory aspect of receiving long-term care, perhaps the elderly prefer to ignore it rather than embrace the need for it. Or for those with no immediate family, long-term care can be a burden to extended family members.
The older the person, the more likely the need for long-term care and the more likely a need for care which lasts not just months but years.
Estimates are that the effects of obesity will increase nursing home enrollments by an additional 15% to 20% by the year 2020. Based on current estimates of the rate of long term care this means that in 30 years about 17 million elderly Americans will be receiving long term care. The Veterans Administration will cover the cost of nursing home care indefinitely if the veteran is at least 70% service-connected disabled. Care not covered by the government is also care provided from family out-of-pocket payments in nursing homes and assisted living facilities.
These were estimates of daily care hours including services such as homemaker and housekeeping services for various care systems. Our experience has been these particular people were never involved directly in the care of a loved one.
You can get long-term care in your home from relatives, friends, or a paid caregiver or in a nursing home or other facility. You can buy insurance that covers care in nursing homes and assisted living facilities or at home.
Medicare will pay for a short stay in a nursing facility, hospice care, or for home care for a limited time if you meet certain conditions. For that, you'll pick someone – a relative, a friend – to make decisions on your behalf if you can't do it. To get benefits under many policies, you must need help with at least two "activities of daily living," such as bathing or dressing, or have problems with your thinking or memory.
For most people, the options for financing long-term care are long-term care insurance or Medicaid, after spending down personal assets.
But, as Michael D’Antonio writes in his recent biography of Trump, Never Enough, Griffin’s most vivid recollection of the evening pertains to the theatrics.
The meltdown happened so quickly that it appeared to catch the House Appropriations Committee, which wrote the bill, off guard. The president saluted the families for “an expression of faith that is unimaginable but that reflects the goodness of the American people.” How strange it is to see that same administration, and these good people, who once saluted the forgiveness of Roof, presently endorse his killing. By the time the worm is an adult, that original cell has become either 959 or 1031, depending on its sex. Sulston mapped the complete history of an individual, the comprehensive family tree of a single body.
But people do plan for the risk of loss and typically have set money aside or bought insurance or prepared written documents to cover the unexpected.
Or why the overwhelming concern to buy Medicare supplement insurance when without it Medicare would still cover most of their health needs after deductibles and co-pays? The VA will also cover other forms of home-based or community-based care if there is a medical need. However some is provided by professionals or aides paid from family funds or from insurance. It is not a substitute for professional medical advice, diagnosis or treatment and should not be relied on to make decisions about your health.
It was as if the golden-haired guest sitting across the table were an actor playing a part on the London stage. The committee sent out a statement from Chairman Hal Rogers with a headline heralding its passage just minutes before it was voted down; it was quickly rescinded.
We're not recommending going without insurance coverage we're simply using it as an example of how people refuse to deal with the issue of long-term care. Or they are assured that family and friends will provide the care when needed, but don't know how difficult it really is for loved ones to provide that care when the time actually comes. If we were to multiply the total number of home care hours we derived for the chart below times the average hourly cost for home health aides, we would have an equivalent yearly cost of home care in this country. We feel that although the data may contain some error, you can get an appreciation of the amount of care in terms of hours yearly that is provided by the major care systems in this country.
Non-involved members of the family escaped unscathed from the responsibility of care for a loved one and as a result do not see long-term care as a big problem. Never ignore professional medical advice in seeking treatment because of something you have read on the WebMD Site. And we know where every single one of them came from because a man named John Sulston spent 18 long months in the early 1980s, hand-drawing worms in a darkened room. Whatever the case, without proper planning, the need for long-term care can result in the single greatest crisis in an elderly person's life.
We estimated about 16,556,400,000 hours per year of home care in 2000 and the number of elderly has grown about 1% per year since then. The number for home care hours provided comes from the 1999 National Long-Term Care Survey where the respondents indicated the average number of weekly hours provided for care was 42 hours. The walls were punctuated by stalactites (the ones that hang down) and stalagmites (the ones that stick up).
The hours per patient in nursing homes were estimated from the 2000 survey of nursing home staffing done for Congress. Hours and length of stay for Medicare home care, Medicare nursing home and hospice were taken from CMS sources.
There is not a current complete data set available to do this analysis for a more current period.



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