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- Contact the Haas Agency with your questions about long term care planning in Connecticut
- Glossary of unfamiliar and often misunderstood terms associated with long term care
- Haas Agency recommended reading about long term care issues
- How the Haas Agency helps Connecticut families address their long term care concerns
- Step 1: Acknowledge the challenges associated with long term care in Connecticut
- Step 2: Explore the various long-term care options and funding sources available to Connecticut residents
- Step 3: Evaluate the pros and cons of the various long term care options in Connecticut
- Step 4: Take action providing for possible long term care needs
- Step 5: Review your family circumstances and changes in long term care each year
- AARP Online Groups on Caregiving and Aging - Resources for concerned children and spouses
- Alzheimer’s Association - Information and resources for families coping with Alzheimer’s and dimentia
- Caring For Your Parents Handbook - Handbook published by the Public Broadcasting System
- Conn. Partnership for Long Term Care - News and resources from joint state government and private industry program.
- Family Caregiver Alliance - Information, Advice and Support for Caregiving
- National Alliance for Caregiving - Provides support for family caregivers
- National Council on Aging - Case studies, news, and resources from a national perspective.
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Mar
13
Agent:
Works for a particular insurance company
Insurance company invests in the agent’s training
Sells products the company offers
Broker:
Represents many insurance companies
More flexibility in designing solutions
Independent business person
While these factors can play a role in who to work with the main focus in the selection process should be on the overall competence of the individual.
Technorati Tags: Insurance Agent, [...]
Mar
12
What are the nationally recognized programs that train long term care professionals?
Filed Under 3. Evaluate | Leave a Comment
Listed below are the nationally recognized programs that offer designations for long term care professionals:
Long Term Care Professional (LTCP): emphasizes long term care needs, options for financing long term care, long term care insurance and claims administration.
Certified Senior Advisor (CSA): takes a holistic look at issues facing seniors.
Certified in Long Term Care (CLTC): long term [...]
Mar
11
“The misinformation out there right now is really frightening. People are not saving, they don’t know they’ll need it [long term care coverage] and they think they’re already covered because they have health insurance.” So says Julie Robison, a UCONN researcher in a recent report on Long Term Care in CT that was commissioned [...]
Mar
11
The Benefits of Being Prepared for Long Term Care Challenges
Filed Under 1. Acknowledge | Leave a Comment
You’ve just had a stroke. The immediate and correct response by your family is to get you the best medical care available. Up to this point in your life you’ve been quite healthy and active, but now the future doesn’t look so bright.
All your plans for the future now hang in the balance [...]
Mar
10
What professional advice do you receive as part of a long term care plan?
Filed Under 3. Evaluate | Leave a Comment
Put in its proper context, the process Long Term Care Planning puts the advice of many professionals to work for you all at once.
Properly executing a Long Term Care Planning process will allow you to put someone you trust in a position of making sure that all the people and resources in your life are [...]
Mar
7
As the process for designing a long term care plan proceeds it is important to understand that there are certain tax benefits associated with Long Term Care insurance.
First, to the extent that medical expenses exceed 7.5% of your adjusted gross income, long term care insurance premiums are considered eligible premium and can be deducted as [...]
Mar
6
The Benefits of a Family Meeting
Filed Under 4. Act | Leave a Comment
Even though many people have taken some of the necessary steps to put an effective plan in place for long term care needs, many neglect perhaps the most important and powerful step. The Family Meeting.
Imagine having put all the time and effort into designing the proper long term care plan. You’ve met with all the [...]
Mar
5
One word that sums up the key to a successful long-term care plan is “action”. After all options are analyzed, the choice and the decision to act rests with the individual and his loved ones.
The purpose of working with a long-term care specialist is to:
1. Gain perspective on the critical issues,
2. Devise a [...]
Mar
4
Concerned about care in a nursing home?
Filed Under 4. Act | Leave a Comment
If your loved one is in a nursing home, now or in the future, and there are problems with the level of care there is an excellent resource available — free — The Connecticut Long Term Care Ombudsman Program (LTCOP).
This program works to improve the quality of care and quality of life for residents in [...]
Mar
3
Long-Term Care Trends
Filed Under 2. Explore | Leave a Comment
It is important in the decision-making process to evaluate trends so that the rationale behind choices can be supported.
The Society of Actuaries recently completed the latest Long-term care experience study. This study examines the experience of 24 insurers issuing long-term care insurance contracts from 1/1/1984 to 12/31/2004.
The results of the study are as follows:
LTC [...]