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“Washington State passed the Long Term Care Partnership and it has become effective January 2012!  This has been passed in 40+ states over the past 3 years, and now pre-retirees and retirees can now take advantage of a solid opportunity to protect more of their retirement nest egg in the event of a health-care crisis!” What does it mean for you as you plan for retirement income? It means that Washington State is encouraging you to plan for retirement health care early.  And if your PRIVATE insurance solution is too small for the health-care crisis, then the STATE solution will allow you to keep more of their assets should you require WA State Medicaid in a major crisis.  This allows for the PRIVATE insurance solutions to be built more affordably for more people. Would you like to know more about how you might be surprised at the quality and affordability?  Call me!  Let’s chat for a few minutes on how you could advise your clients to protect more affordably. ClickHEREfor more information on what the WA State regulations are. ...read more

The low interest rates that have been put in place to help with economic recovery have an adverse affect on seniors and their retirement. For those who already havelong-term care insurance, or those who are looking into getting it, the low interest rates have caused insurance rates to increase. I cannot stress enough the importance of long-term care insurance as a means to protect the assets you have, and to insure that you have choices in the type of care you receive should a chronic disease require the need for long-term care. Get in touch with me today to learn about how best your long-term care needs can be met. We can find the right plan for you that fits within your budget. Contact meHERE. Serving the Eastern Washington areas of Kennewick, Yakima, Richland, Pasco and more. 3 Ways Low Interest Rates Hurt Seniors The Federal Reserve Board has not formally relaxed its intention to keep interest rates low through the end of 2014. And there is little new to say about the way non-existent interest rates on savings accounts, certificates of deposit, and U.S. Treasury securities have hurt all savers, particularly risk-averse investors. Retirees are, of course, the poster children for risk-adverse investments, and their nest eggs have been hammered by the Fed’s policy. The Fed has said that low rates help the economic recovery. So it argues, in effect, that investors should enjoy the solid stock market returns and that savers should display a stiff upper lip. Perhaps the Fed policy carries a price that we all must pay. But 15 of 19 large financial institutions just passed their latest financial stress test. Do they still need free money from the Fed to see them through? Corporations are already sitting on enormous piles of cash. Do low interest rates play a material role in their current thinking about raising funds to expand their businesses and hire more people? Meanwhile, insurers and other providers of financial products have been twisting in the wind because of the Fed’s policy. In ways that often aren’t that visible to ordinary consumers, they have been forced to change their products and services. Older consumers and retirees have been particularly hurt by these changes. Long-term care insurance.According to the American Association for Long-Term Care Insurance, rates on new policies are 6 to 17 percent higher than a year ago. The culprit? Low interest rates. “Insurance prices have increased as a result of the historic low interest rates and yields on fixed income investments,” says association executive director Jesse Stone. Many long-term care policies are purchased by people in their 50s and 60s. Typically, claims aren’t made against these policies for 20 or more years. During that time, insurers invest premiums in safe investments whose yields are tied to prevailing interest rates. With rates so low today, insurers can’t earn very much on their premium reserves and thus feel they must charge higher rates to new customers. Continue reading from usnews.com… ...read more

LTC Specialistswho help people plan forlong-term care strategiesin their retirement planning have been waiting for the past 3 years for this to pass and become law! Over 40 other states have passed this, and now we have it in Washington State effective Dec. 1st, 2011! It will give many folks the ability to purchase AFFORDABLE long-term policies, knowing they have the State’s Partnership guidelines backing them up. When clients purchase an individual long-term care insurance policy that meets WA state’s partnership guidelines, they will be allowed to protect a portion of their assets they might otherwise have to “spend down” in order to meet Medicaid eligibility requirements. This allows your clients to protect one dollar of personal assets for each dollar their long-term care insurance policy pays in benefits. For example, if a client purchases a long-term care insurance policy that pays $100,000 in benefits, and they utilize a $100,000 benefit amount, they will be allowed to protect $100,000 in personal assets. The technical details a can be found here:http://www.dshs.wa.gov/manuals/eaz/sections/LongTermCare/LTCPartnershipMainPage.shtml As an alternative, I’m happy to show how this new law enables a LTC plan to become affordable and incorporate into the rest of your retirement strategy, giving you choices, flexibility, and security when care is needed. Contact me today at 509-392-4366 to learn more about insurance programs available in the Washington areas of Kennewick, Richland, Pasco, Yakima, Benton County and Franklin County. ...read more

With continued medical advances comes longer life. The longer that we do live, the more likely it will be that we will requirelong-term care.As our largest generation moves into becoming our oldest generation, the care strategies that America as a whole has in place to take care of the elderly will be put to the test. To be sure that you receive the kind of care that you want if and when the time comes that you or a loved one requires care,long-term care insuranceis a vital component. It is extremely important to get long-term care insurance started earlier than you may think, because eligibility may be jeopardized if any medical problems exist at the time of application. Contact me today at 509-392-4366 to learn more about insurance programs available in the Washington areas of Kennewick, Richland, Pasco, Yakima, Benton County and Franklin County. Living to 100? That Will Be $3.5MThe average centenarian will spend more than he or she may expect in their later years. Here’s where it goes. Here’s to your long life — and the heaps of cash it will require. The average American who lives to the ripe old age of 100 will spend $3.5 million in his or her lifetime, according to an analysis of data from the Bureau of Labor Statistics. A good chunk of that bill, more than $1.5 million, will have been racked by your 50th birthday. The next 30 or so years — the average 50-year-old today can expect to live until 81 — will run another $1.4 million. And the lucky few who make it to 100 will need an additional $630,000. Experts say these high costs of living often come as a shock to retirees, many of whom expect to dramatically cut back on their living expenses as they get older and stick to a fixed budget. “A lot of time people actually end up spending more money in retirement than they may have spent when they were working,” says Heidi Schmidt, a wealth manager in Dallas with USAA. Just where that money goes depends largely on your decade. Most people in their 60s spend a lot of their savings on entertainment — finally buying that sail boat or splurging on trips to the Caribbean. Those in their 80s, on the other hand, typically swap a good portion of their leisure budget for medical bills. Of course, not all expenses come down to age, experts say. A healthy octogenarian with wanderlust might have spending habits more in line with people twenty or thirty years younger. And certainly many Americans will spend much less in retirement — either through careful planning, a good bit of luck or both. Whatever the retirement goals, here’s a breakdown of how spending tends to vary through the retirement years. Continue reading from www.smartmoney.com… ...read more

The decision to purchase long-term care insurance can be a difficult one. Determining when the time to buy is right can be critical. If you wait too long, existing medical problems may exclude you. Protecting your assets, as well as your choice of care when the time comes is vital. Learn more about long-term care insurance options available in the Washington areas of Kennewick, Richland, Pasco, Yakima and other surrounding areas at http://simplyltcbenefits.com. Should You Buy Long-Term Care Insurance?Factors to consider when examining your options for long-term medical care As life expectancy increases, so do the costs associated with aging, especially when seniors need help with daily tasks like dressing or eating. A 2011 MetLife survey shows that the national average cost for a home health aide was $21,840 annually, while a private room in a nursing home cost $87,235 per year in 2011. According to Department of Health and Human Services, close to 70 percent of people over age 65 need long-term care, which can include care in a nursing home or assisted living facility, or home health aides to assist with daily activities like bathing or meal preparation. For low-income individuals, Medicaid covers costs such as nursing home care in a Medicaid-approved facility. But those who have sizable assets would need to transfer assets or spend them down before qualifying for Medicaid. Medicare covers certain medical needs, but not day-to-day activities like dressing, bathing, or using the bathroom. “There are very few pieces of long-term care that involve medical treatment,” explains Steven Weisbart, senior vice president and chief economist for the Insurance Information Institute, a nonprofit consumer education organization. “If you need help taking your medicine, Medicare would tend to pay for that sort of thing. But helping you take a shower in the morning? That’s not a medical activity.” If your life insurance policy offers an accelerated death benefit, that would allow you to use some of your life insurance money while you’re still alive to cover long-term care costs. Long-term care insurance is another way to cover those costs, and it’s especially appealing to those with assets they want to protect instead of spending them down to qualify for Medicaid. “In essence, you’re insuring your bequest to your heirs,” says Gerard Wedig, healthcare economist and associate professor of business administration at the Simon School of Business at the University of Rochester. In fact, the only people who should be buying long-term care insurance are those with assets over $50,000, according to Sandy Praeger, Kansas insurance commissioner and chair of the National Association of Insurance Commissioner (NAIC)’s Health Insurance and Managed Care Committee. “If you have assets below $50,000, you’ll spend those assets down rather quickly,” she explains. In addition to protecting assets, long-term care insurance affords more choice about whether you move into a nursing home or assisted living facility or stay at home. Long-term care policies can cover home care, while Medicaid generally does not. Continue reading from http://money.usnews.com… ...read more

As I work with Employers in developing their employer-basedlong-term carebenefit plan, I am finding that employers that secure their plan and pick all the options they want are better set for the future. There are a couple of trends going on that should make Employers make the move sooner than later: 1) LTC insurance companies are “stepping out of the market” by discontinuing offering to Employers see (http://www.benefitspro.com/2012/02/07/unum-drops-group-long-term-care#.TzMCPBavOHI.gmail)2) LTC insurance companies are making the minimum PARTICIPANT requirement tougher.  It used to be a minimum of 3 lives to insure, but now it is around 10 lives.  That trend will continue to increase!3) LTC insurance plans are becoming more expensive as time goes on.4) LTC insurance plans will become more restrictive on their underwriting. Traditionally it has been 3- 5 medical questions to answer, but that may become more restrictive for smaller groups. My offer to Employers- look at it now, while there are options that offer you independence and give you the tax advantages you can get. Email meat mark@simplyltcbenefits.com for your free Employer Guide to LTC insurance. ...read more

A lot of seniors and their families have the misconception that Medicare will pay for theirlong-term carewhen the time comes. This, however, is not the case. The care that many seniors require are not covered. There is a lot of criteria to qualify for nursing home care, and even if you were to qualify, the benefit period is limited, assuming that there is even a Medicare “bed” available. Qualifying for home health care is also difficult, and does not cover a lot of the services seniors actually require assistance with like cleaning, laundry, and personal care such as bathing and dressing. So, if long-term care insurance seems like something that is unaffordable for you or an aging loved one, consider the financial and emotional consequences if you do not have it when the time comes for direct care. To ensure that you or an aging loved are able to live as independently as possible in the way in which you want to live, long-term care insurance is a necessity. Visit me athttp://simplybenefits.comor call me at 509-786-1900 to learn more about long-term care insurance benefits available in the Washington areas of Kennewick, Richland, Pasco, Yakima and surrounding areas. 10 Things Medicare Won’t Tell YouThe government’s massive entitlement program is full of costly glitches. 7. “We don’t cover a lot of the care seniors need most.” If your aging mother needs full-time care in a nursing home or a significant amount of home health care, she will have to meet some strict criteria to make it happen. For the most part, Medicare doesn’t pay for nursing home care except for people who were hospitalized for at least three days within the previous 30 days and require “skilled” care, which is care that only a medical professional like a registered nurse could provide. Even then, it only covers up to 100 days per benefit period. Qualifying to get reimbursement for home health care is also difficult, as you must meet all of following criteria: Be homebound (which means that a doctor has advised you not to leave home due to your condition, that leaving home takes considerable effort or you need help like special transportation to leave home); require skilled nursing care, physical therapy, speech-language pathology services or continued occupation therapy; and be getting regular services from your doctor under a plan of care that he or she has ordered. Medicare does not cover meals delivered to a home, cleaning and laundry services or, in most cases, personal care like help bathing, dressing and using the bathroom. “A lot of people don’t realize it but these kinds of care are very limited,” says Muralidharan. A spokesperson for CMS notes that the organization wants to engage with members of Congress, aging/disabled community members and experts to “explore solutions to the nation’s long term care needs.” This gap in Medicare coverage can be financially devastating for many families. The average nursing home, for example, costs about $77,000 per year, according to a study by the MetLife Mature Market Institute. Home health care is also expensive, with rates ranging from about $17 to almost $30 per hour, according to the American Association for Long-Term Care Insurance, significantly more for a trained nurse or therapist. Read more from www.smartmoney.com… ...read more

Health Care Reform for 2012- what is going on? Will it remain in its present state or will it be totally overhauled?  You have to check out these surveys analyzed below on where our health care system is going! Join NAIFA ClientCast this month with our guest Grace-Marie Turner, president of the Galen Institute, as she provides her viewpoint of the healthcare overhaul law. Find out what it has accomplished so far, and the impact it may have on businesses and consumers in the future. To listen to the program simply click my website address below: http://www.myrealwealthprofessional.com/naifa/markprogers To learn more about Long-Term Care, Disability and Life Insurance available in the Eastern Washington areas of Kennewick, Richland, Pasco, Yakima and other surrounding areas, visit my websitehttp://simplyltcbenefits.com. ...read more

In my experience of helping people plan for a possible extended care crisis in their future, I have found that many people are looking at this from a “100% insurance” perspective, which is cost prohibitive. Our health insurance plans we have today at traditionally “80/20″ plans, where we have to pick up 20% of the costs AFTER we pick up the $2,000 or $5,000 deductible So why not take on some of the risk and pay for 20-40% of our extended care costs should we need it, and let the insurance company pick up the majority? Yet today, as SMART Money has described, many are failing to take any insurance to protect themselves after getting “sticker-shocked” at the premiums that are covering them 100%! We don’t expect our health insurance to cover 100%, yet we still cover that risk for the hospital, testing, docters, etc.  Yet somehow we expect our Long-Term Care insurance to pay 100% and don’t like the premium that comes out. As I have spoken to many care facilities locally in the Tri-Cities, having some LTC insurance is better than none, when extended care is crucial.  The facilities seem to agree that they can begin to work a plan of care for the family member when there is a LTC policy to make a claim on. Read More fromLong-Term-Care Insurance is Better Than Noneat smartmoney.com. For Long-Term-Care Insurance in Eastern Washington, contact meHERE. ...read more

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Many people find themselves going to the doctor for an in-grown toenail.  I say,...see me first and allow me to help you with that annoying problem.  Sometimes, these toenails need just a little help from a  manicurist and the pain disappears.  I specialize in the wellness of your feet (hands&nails).  Many of my pedi customers vow my professionalism in this area.  I'm here to help you.  Don't let it get out of control.  If you wish, turn the visit from a in-grown toenail service to the pampering service of a Pampered Pedicure.  Free consultations always! ...read more

Specializing in the wellness&beauty of your feet, hands & nails. Having worked in a Professional Spa for 5 years, I learned how to truly pamper the client.  No rushing your service due to another appointment.  Should you have any questions, they will be answered.  Great care is taken not to cause any damage or discomfort to your nails, hands & feet.  Diabetics can be assured that gentle care will be taken; for I, myself , am a Diabetic.  Ingrown toenails?  See me first.  Appointments not always needed but greatly appreciated.  Give me a call and lets see how I can help you bring a little beauty into your day. ...read more

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