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Articles by Clay Cotton

• Long Term Care Insurance: Basically, It's All About Choice
  LTCi policies can help you avoid being a burden, depending on others for care. They also help you protect and preserve precious assets and keep control of your financial affairs, ensure a higher standard of living and give you far greater choices should you need home health or continuing care, which nearly half of us will.
  Published 15Jul2007, viewed 318 times

• Thanks, Mom..! ( Some reasons why you might want to get long term care insurance )
  How many of us say that we will take care of our parents if they became disabled and could not live alone? Raise your hands! If you're like me, you have told your mom or dad, "I'll take care of you, don't worry. I'll always be there for you!"
  Published 13Jul2007, viewed 205 times

• My Care Giving Angel
  It's been a few weeks since Cindy started coming over to spend time with Clay - to relieve me of my caregiving duties. She comes at least once a week. What a blessing! The long term care of any individual can be exhausting, at times, so I now call Cindy "my angel"¯"¦
  Published 12Jul2007, viewed 182 times

• Long-Term Care Protection can be Tough Decision
  We've all heard the horror stories about elderly people who can't take care of themselves moving into costly nursing homes and "outliving their money."' As Americans live longer, more and more of us will need some sort of long-term care, and the insurance industry has a blizzard of policies to help pay for it.
  Published 11Jul2007, viewed 294 times

• Obama, Clinton Spotlight Long Term Care Insurance Industry
  In April 2007, Senators Barack Obama and Hillary Clinton requested that our Government Accountability Office examine the long term care insurance industry's track-record for claims, premium increases and those increases' relation to LTCi policy lapses. Will they find some dirt under the rug?
  Published 15Jun2007, viewed 300 times

• Genworth Cornerstone - Advantage or Disadvantage?
  Genworth is promoting it's new long term care insurance product, Cornerstone Advantage, as an affordable LTCi solution. In today's market, there is only one way for an insurance company to offer lower priced long term care insurance coverage - and this is to cut their costs! But how is Genworth doing it?
  Published 07Jun2007, viewed 385 times

• Congress Scrutinizes Long Term Care Insurance
  Conseco and Penn Treaty Long Term Care insurance companies must be biting their nails to the quick, as the House Committee on Energy and Commerce breathe down their necks and the General Accountability Office closes in.
  Published 06Jun2007, viewed 412 times

• Prepare Now For "The Retirement Zone"
  Retirement planning is an pretty emotional subject. For everyone, there is a 10-year period of time, "the five years before and the five years after retirement" that is especially critical. This 10-year period has been dubbed as "The Retirement Zone".
  Published 24Apr2007, viewed 558 times

• Know Thyself - The Cardinal Financial Panning Rule?
  While we often apply the Know Thyself rule to evaluating risk tolerance, it works for all aspects of financial management. Raw numbers mean nothing if you have to go against your established behavior patterns to achieve them.
  Published 16Mar2007, viewed 389 times

• For Smart Financial Planning - Know Thyself and Thy Situation
  "Know Thyself and Thy Situation" is a financial planning rule that applies to accounting for financial events that have a high probability of happening. We're talking about about unpredictable emergencies and catastrophes. Especially, you must insure for your likelihood of long term care, for which there is a 50/50 chance, but only if you plan to live past age 65.
  Published 12Mar2007, viewed 315 times

• But Will You Even Be ABLE to Retire?
  Everybody envisions the golden years as a time to relax away from the stresses and strains of working life, but for for many baby boomers it may be a far different picture.
  Published 15Feb2007, viewed 397 times

• Caregiving Comfort: A Family Caregiver's Portable Support Group
  In "Minding Our Elders" Carol Bursack turns to the heros in our midst, folks who have been there - done that, sharing not only her own touching experiences, but those of her caregiving peers in a delightfully well- crafted, easy going style. We get an all-too-needed vie into what it's like to grow older and need care, but also how the caregiving process is actually played out.
  Published 13Feb2007, viewed 316 times

• Long Term Care Insurance: Who to Trust?
  When choosing your long term care insurance, it's a very good idea to enlist the expertise of an insurance coverage contract lawyer in the beginning, rather than waiting until being denied. Just know that lawyers are pricey, so be prepared to spend some extra cash for this last step.
  Published 01Feb2007, viewed 416 times

• Long Term Care Insurance: Yea or Nay?
  Long term care insurance coverage simply MUST be considered by everybody who can medically qualify for this important coverage. Why? For starters here are 10 good reasons:
  Published 31Jan2007, viewed 319 times

• Medicaid Falls Short for Nursing Homes
  Long term care facilities say that the money which Medicaid provides for patient care simply isn't enough to cover costs.
  Published 17Jan2007, viewed 356 times

• Long Term Care Insurance circa 2007
  When long term care insurance was first conceived and offered, back in the 1980's, most LTCi premium rates were much lower than today's policies. Why have they increased so much and why are long term care insurance companies raising premiums on existing policies?
  Published 16Jan2007, viewed 359 times

• Long Term Care Insurance: Five Simple Steps for Comparing and Choosing Policies
  Every insurance policy is a legal contract. Once agreed upon by both parties, a long term care insurance company must uphold their contract to the letter, or risk lawsuits and regulatory prosecution. Each policy is crafted with utmost care using the probabilities of actuaries, as well as contract lawyers' keen legaleze, and here's how to navigate the decision process.
  Published 15Jan2007, viewed 331 times

• Caregiving's Costly Burden
  Hey - If I had known that official government policy toward caring for elderly parents was that their children would have to do it all, well I would have had 10 kids.
  Published 14Jan2007, viewed 374 times

• ChoicePoint: To retire, start over or hang in there?
  Prior generations retired after working at one company for 25-30 years, and after that stint, they then retire and get a pension plan. Retirees had a small house paid for, a nice Social Security check and a pension. Add to that a life expectancy of around 70 years, and you'll have a perfect retirement plan.
  Published 13Jan2007, viewed 420 times

• Big Changes in Pension Plans, but Long Term Care Untouched
  There are big changes coming to retirement plans. In August 2006, President Bush signed into law the Pension Protection Act of 2006 (PPA). This law affects both employee funded plans such as 401(k)s and traditional defined benefit pension plans.
  Published 12Jan2007, viewed 435 times

• Boomers want to retire yet stay involved
  Many retirees, especially us baby boomers, want to retire from their careers yet become involved in other areas such as social and health services.
  Published 11Jan2007, viewed 280 times

• Friends and Family Will Be Tapped for Long Term Care
  More than 1/3 of U.S. residents contacted indicated they would turn to family and friends for long term care, a new survey shows.
  Published 10Jan2007, viewed 330 times

• The End of Unlimited Lifetime Benefits in New Long Term Care Insurance Policies
  Prominent long term care insurance carrier Penn Treaty recently announced that it will discontinue offering the "unlimited lifetime" benefit option on all new policy forms as of 1/1/2007. Will other insurance companies follow suit? We think so, as the industry adjusts to changes in the all-too-real world of care and care giving.
  Published 15Dec2006, viewed 459 times

• Caregiver Contracts Make Things Clear
  Caregiving is not the kind of topic that makes for pleasant chit-chat over tea, much like long term care and long term care insurance. Yet these are crucial issues to address boldly with vigor and verve, if you want future years to unfold gracefully.
  Published 15Nov2006, viewed 455 times

• Estate Planning: Make Sure Your Wishes are Honored
  A medical power of attorney and living will are crucial estate planning steps, and like long term care insurance, must be set in place early in life for optimal protection.
  Published 14Nov2006, viewed 486 times

• Won't Medicare Pay for Our Long Term Care?
  Fact: Medicare is NOT DESIGNED to cover long term care. It was designed primarily to help with 'short term' rehabilitation.
  Published 22Oct2006, viewed 492 times

• Long Term Care Decision Can Take an Emotional Toll on Caregiver
  It is universally agreed that one of the most difficult decisions a caregiver must make is deciding when it is finally time to choose a long term care facility for a loved one.
  Published 21Oct2006, viewed 458 times

• How to Understand Health Standards for Long Term Care Insurance Enrollment
  Long term care insurance conforms to the basic insurance mechanism, in that the individual risk of future peril is shared by a pool of people who currently are free from that peril. Certain pre-existing health conditions can make it impossible for some folks to enroll due to health reasons. If you have any health issues, this article can help you better understand long term care insurance health requirements. This is worth checking out...
  Published 15Oct2006, viewed 436 times

• Long Term Care and Long Term Care Insurance? Your Chances and Your Costs…
  Clearly, you don't want to dwell on an image of you or your spouse in a wheel chair or nursing home, but if you don't plan ahead now for such eventualities, you could end up with a crippling financial burden that can strip a family of it's entire nest egg, because long term care is costly. This is why insurance can be such an affordable planning tool.
  Published 14Oct2006, viewed 409 times

• How to Rank any Long Term Care Insurance Company
  When you consider a life long relationship with a Long Term Care Insurance company, you want to rest in the comfort of knowing that you have settled on a company with the highest possible ratings and reputation. After all, you will need them to be there for you in a pinch when you need to file a claim for the specified benefits. Now learn how to check out a the long term care insurance company to make sure they meet the highest standards.
  Published 25Sep2006, viewed 349 times

• Long Term Care Insurance and Suze Orman - The Ongoing Controversy
  Long term care insurance is an obvious “must-have' for Americans with assets and families to protect and with discretionary income to afford the premiums. While Suze Orman publicly promotes this coverage as the foundation of your financial plan, we wonder if she ought to put even MORE emphasis on LTCi protection. It's shocking to learn that over 40% of nursing home residents are currently under age 65. And we had better learn more about it...
  Published 17Sep2006, viewed 404 times

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