How Long Term Care Insurance Partnership Works?

How Long Term Care Insurance Partnership Works?

by Elva Keaton How Long Term Care Insurance Partnership Works? Many middle-income Americans are torn into pieces when the need for long term care occurs. Everybody knows that long term care falls heavily during ages 50 to 60, and the prices for these facilities can ruin ones finances. Another caveat is the scant support from government to help middle and low income earners from continuing their care either in a nursing home or in a community. Although Medicaid was established to solve the problem on LTC, many middle-income people are disheartened from applying for Medicaid because of the latters onerous qualification standards. Medicaid favours low-income people, while middle-income people endure the daunting long term care costs or, otherwise, dissipate their assets in exchange for Medicaid coverage. The inception of Deficit Reduction Act of 2005 created a plausible program called the Long Term Care Insurance Partnership. The primary goal of the program is to create collaboration between the state government and private insurance companies to encourage the sale of long term care insurance, while at the same time reduce the weight on Medicaid in paying the countrys most expensive health care. Qualified partnership policies must meet special state requirements. Although policies may vary from state to state, most partnership policies should have comprehensive benefits that range from institutional to home care services, must be tax-qualified, provide consumer protection, and incorporate inflation protection. The only discrepancy of partnership policies in some states is the amount of inflation protection. All partnership policies must be approved by State, and the state should educate and encourage the public to consider this financing option. Partnership...
1971 Ford Mk II Cortina 440 Saloon

1971 Ford Mk II Cortina 440 Saloon

Check out these car insurance images: 1971 Ford Mk II Cortina 440 Saloon Image by Sicnag The UK designed Cortina was built from 1962-82. The boxier shape Mark II Cortina replaced the Mark I in Oct 66 in the UK, but not until Aug 67 in Australia. Initially 1200 and 1500cc engines were initially carried over from the Mk I Cortina. In Jan 1968, replaced with 1300 and 1600cc engines with a cross flow head. A mild facelift in Jan 69 saw separate F O R D letters on bonnet and boot, a black grille and chrome above and below the tail lights. Auxiliary gauges on the GT dropped from a central pod on top of the dash to a central position within the dash. Mk II Cortinas were also built in Australia, models available there; 2 door; 220 (1300), 240 and 240L(1600). 4 door; 440, 440L, GT and GTL. The 240 and 440 got chrome strips on the rear flanks, but not on the L, L stood for luxury, it got chrome sill moulds, side stripes, upgraded seats and woodgrain trim. The early Mk II GT followed the subtle styling of the English GT, the 1969 update saw quite a bold look with matt black hood and boot panel, and side stripes. This, the last of the Mk II GTs, in 1971, were actually sold as a 440, there was no GT badging, because it was getting hard to get insurance on ‘GT’ cars. They still got the GT spec running gear, GT dash, overriders and Rostyle...
Eat Healthy, Breathe Deadly!

Eat Healthy, Breathe Deadly!

Some cool insurance images: Eat Healthy, Breathe Deadly! Image by binaryCoco The poster still says "eat more green salad". The colours are bright, though the health insurance abandoned the building years ago. The bag in the front is filled with asbestos torn out of the walls to prepare the building’s demolition. 20100406boswell_013 Image by Iowa Democratic Party – iowademocrats.org Congressman Boswell asked all the women in the room to raise their hand and said if anyone wants to repeal health insurance reform,"I’ll just turn you women loose on ’em!" Insurance Day 2014 Image by...
50 million Americans have no insurance

50 million Americans have no insurance

by Mark Faviell Photos 50 million Americans have no insurance Hard to believe that, 17 years ago, the Clintons were talking about a health security card for every American. Today, health care is looking anything but secure.  Easy To Insure ME has the answers A report released this week by the federal Centers for Disease Control and Prevention calculates that 50 million Americans ages 18 to 64 and surveyed between January and March went without health insurance for at least part of the past year. More than half of them had no usual source of medical care. Among adults with at least one disability and no insurance, 61 percent said they had skipped or delayed recommended medical care in the past year due to concern about cost. But so did 16 percent of disabled adults with health coverage. For those who have insurance, particularly through an employer, the costs are going up, either through a bigger share of higher premiums or bigger deductibles, co-payments and other cost-sharing, and usually both. And a survey of employer health benefits for 2010 released in September showed that workers on average are paying nearly $ 4,000 a year toward the cost of family coverage that carried a total average tab of $ 13,770 (3 percent more than in 2009), and that workers were contributing 14 percent more than what they paid in 2009. More than a quarter of all covered workers now must pay deductibles of $ 1,000 or more, with almost half of workers at smaller firms (under 200 workers) under such plans. The survey, done for the Kaiser Family Foundation and...
Nice Insurance photos

Nice Insurance photos

Check out these insurance images: Preston Hellings vs Prestige Insurance 15/1/06 Image by adem80 big insurance gage trumka holtbaker Image by AFGE Setting up equipment Image by State Farm The Insurance Institute for Business & Home Safety (IBHS) and State Farm are currently in the midst of continuing a major multi-faceted research effort to study hailstorms with the goal of reducing property losses. As part of this effort, IBHS and State Farm are studying hailstorms in the Central Plains region in an attempt to better understand the characteristics of damaging hail, which depends on size, density and hardness of hailstones. Objectives of the field study include: quantify natural hailstone hardness, by evaluating the compressive force required to fracture a hailstone; deploy a ruggedized, unmanned camera probe to capture high-definition video of hail falling within storms to study hailstone trajectories and spatial coverage; and examine radar and environmental data to develop relationships between those data fields and the characteristics of fallen hailstones. The field study will provide valuable data and insights for shaping ongoing work at the IBHS Research Center. IBHS will evaluate the hardness and density of natural hailstones in order to accurately manufacture artificial hailstones at the IBHS Research Center. Previous IBHS field study data were used when the Institute recreated a full-scale indoor hailstorm at the IBHS Research Center in February 2013. As IBHS collects additional data from natural hailstorms, this information will enable IBHS engineers to continue to appropriately recreate and analyze the impact of hail on buildings and specimens tested at the IBHS Research Center. Severe thunderstorms frequently are accompanied by hailstorms. As population density...
Get Yourself Covered With Tradesman Insurance

Get Yourself Covered With Tradesman Insurance

by MadMarlin Get Yourself Covered With Tradesman Insurance Working within one of the typical trades such as a builder, plumber, electrician or any of the other numerous varieties brings about certain elements of risk, both to yourself and others around you. For this reason, anyone working within a trade has got to make sure that they are sufficiently covered in the event of any accident or damage occurring. A tailored tradesman insurance policy can provide you with all of the protection needed should you be faced with a claim. There are a number of situations that could require a claim to be made and failing to get adequate cover could end up with you being hit hard financially.   Two of the main parts of any policy that you take out will be employer’s liability and public liability cover. Obviously if you do not employ anybody then you don’t need employer’s liability but if you do then this is a necessity. This will cover you in the event of an accident occurring where an employee is hurt whilst carrying out their work. Similarly, public liability cover gives you protection in the event of damage or injury occurring to a customer/member of the public or their property. This can happen either within your workplace or on site if you are working at their home or in a public place. The very nature of manual labour work means that there is a chance of damage or injury occurring so it is therefore extremely important to make sure you protect yourself in these situations.   Another important level of cover that you...