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      "body": "Congratulations @samstein! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@samstein/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@samstein) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=samstein)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "title": "Quick Guide on How to Help Aging Parents Plan for Retirement",
      "body": "<html>\n<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<img src=\"https://cdn.aarp.net/content/dam/aarp/home-and-family/caregiving/2015-12/1140-caregiving-the-conversation-project.imgcache.rev01a20c03bb046562829af089c2ff95b4.web.620.398.jpg\" width=\"620\" height=\"398\"/></p>\n<p>Are you worried that your aging parents might not be ready for retirement? Well, you should if your parents haven’t done any steps to prepare for their future needs. It’s important that you help them out in any way you can or else they might get in your way in the future and you wouldn’t want that, right?</p>\n<p>They might be overwhelmed on how to plan for retirement since there are some issues that need to be addressed like debts, retirement income, long-term care needs, downsizing and others.</p>\n<p>To help your parents prepare for retirement, here are some issues that needs to be addressed first.</p>\n<p><br></p>\n<h1>Clearing Debts</h1>\n<p>There are more <a href=\"https://www.ncoa.org/economic-security/money-management/debt/senior-debt-facts/\">seniors that carry debt</a> into retirement nowadays. Just keeping pace with daily living expenses is already hard what more if you have debts. Accumulated debts such as credit card, mortgage and car loans can hurt your parents’ finances come retirement.</p>\n<p><br></p>\n<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<img src=\"https://www.ncoa.org/wp-content/uploads/Median-debt-2016.png\" width=\"556\" height=\"349\"/></p>\n<p><br></p>\n<p>Talking about money with aging parents is tough especially if they have more debt. But no matter how frustrating it is, practice patience and persistence in determining your parents’ debts.&nbsp;</p>\n<p>In case they have excessive debt, help them out by negotiating with their creditors and requesting to lower interest rates or by recommending bankruptcy. Clearing up some debts before entering retirement gives your aging parents a chance to have a comfortable retirement.</p>\n<p><br></p>\n<h1>Long-term Care Planning</h1>\n<p>Around 7 out of 10 Americans 65 and above will require any form of long-term care. Aside from the high risk of needing this type of care, aging Americans should be wary of its high cost too.</p>\n<p>The annual median cost of a private room in a nursing home is $100,379 while an assisted living facility will set you back around $44,350 annually. Health insurance doesn’t pay for long-term care likewise Medicare. Medicaid pays this type of care but it has limited coverage and requires eligibility. <a href=\"http://www.altcp.org/long-term-care-insurance/\">Long-term care insurance</a> helps pay for nursing home, assisted living facility and other care services.&nbsp;</p>\n<p><br></p>\n<p><img src=\"http://www.altcp.org/long-term-care/long-term-care-cost/\"/><img src=\"https://i1.wp.com/www.altcp.org/wp-content/uploads/2018/08/average-annual-cost-of-long-term-care-2017.png\" width=\"640\" height=\"210\"/></p>\n<p><br></p>\n<p>Start a conversation about long-term care is a tough one too. But you have no choice but to discuss this early with your aging parents or else they might end up living with you or ask you to pay for their care expenses. To help you start the conversation, here some <a href=\"http://www.altcp.org/talk-aging-parents-long-term-care/\">tips</a> to help your parents plan for long-term care.</p>\n<p><br></p>\n<h1>Cut Other Expenses&nbsp;</h1>\n<p>The needs of your parents change, as they get older. They might need to change their spending priorities to make sure that they’ll have enough during retirement. This means they need to cut other expenses like cutting subscriptions they are not using. You can help them out by reviewing their recurring charges such as newspapers or magazines and cancel those that they are not using.</p>\n<p>By helping them manage their money, your parents can boost their savings for retirement.</p>\n<p><br></p>\n<h1>Downsizing</h1>\n<p>This is another delicate conversation that you need to have with your aging parents. It’s going to be tough since most seniors are reluctant in leaving their homes even if they can no longer afford it. Help your parents realize the need to move to a smaller and less expensive home to free up more money for retirement.</p>\n<p>In addition to the cost of the house, you need to consider its location too. Make sure that your aging parents will move into a home that is close to services then need regularly.</p>\n<p><br></p>\n<h1>Stay Away from Financial Scams</h1>\n<p>Seniors are the favorite preys of scammers since they are easy to persuade especially when it comes to making a huge profit out of a small investment. &nbsp;You need to warn your parents about these <a href=\"https://www.ncoa.org/blog/3-most-popular-scams-targeting-seniors/\">financial scams</a> and educate them.&nbsp;</p>\n<p>It’s best to point them to a professional that can give them helpful advice regarding investments.</p>\n<p><br></p>\n<h1>Conclusion</h1>\n<p>It’s imperative for adult children to get involved and help their struggling parents to plan for retirement. By intervening now, you can help them address issues that can affect their finances later on or worse, will fall on you instead.&nbsp;</p>\n<p><br></p>\n<p><em>If you have questions about long-term care planning, we can provide you with objective advice that can help you choose the right policy for your future care needs. Get started by requesting for a f</em><a href=\"http://www.altcp.org/long-term-care-insurance-quote/\"><em>ree online quote</em></a><em>.&nbsp;</em></p>\n<p><br></p>\n</html>",
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      "title": "Long Term Care: A Big Retirement Threat for Women",
      "body": "<html>\n<p><img src=\"https://www.american-equity.com/filesimages/Blog/AELifeSite_BLOG-0004_InteriorBlog_WomenAndRetirement_013118.jpg\" width=\"800\" height=\"500\"/></p>\n<p>Women are at risk of facing significant challenges during their retirement years. Since they live much longer and they earn and save less money compared to men, it’s going to be an uphill battle for them to cover their future care expenses.</p>\n<p>On average, <a href=\"https://www.who.int/gho/women_and_health/mortality/situation_trends_life_expectancy/en/\">women outlive men by six to eight years</a>. This means that they have to spend more during retirement including exorbitant long term care costs.&nbsp;</p>\n<p>But, how will women pay for their care needs considering the fact that they earn less than men and they end up stepping up as the family caregiver, which affects their wage-earning capacity?</p>\n<p>The key is to plan for long term care.</p>\n<p>So, what should women do to prepare for their long term care needs?</p>\n<p>It may seem a daunting task but to help women get started, here are some long term care planning tips.</p>\n<p><br></p>\n<p>1. Start Early&nbsp;</p>\n<p>It’s essential for women to plan for long term care early since they earn less, spend less time working and more likely to have higher care expenses. In fact, women only earn 81% of what men earned based on a MetLife report. This limited resources translates into less contribution to savings, pensions and Social Security.</p>\n<p>With these hurdles, women should approach finances differently by planning early. Delaying should never be an option for women.</p>\n<p><br></p>\n<p>2. Take a Long Term Care Assessment Test</p>\n<p>How much do you know about long term care?</p>\n<p>A lot? Some? or None?</p>\n<p>By answering this short <a href=\"http://www.altcp.org/long-term-care-quiz/\">long term care quiz</a>, you can learn more about your options and the recommended course of action you need to take to begin your long term care plan.&nbsp;</p>\n<p>Getting educated about long term care, best payment options available, different types of facilities and others can help women get ready for their future care needs.</p>\n<p><br></p>\n<p>3. Buy Long Term Care Policy</p>\n<p>Women are more likely to age alone because they never got married, got divorced, they outlive their spouses or they are childless.</p>\n<p>So, who would take care of them in case they can no longer carry out their activities of daily living?&nbsp;</p>\n<p>By having a <a href=\"http://www.altcp.org/long-term-care-insurance/\">long term care policy</a>, women can have a peace of mind to age alone because they know that their care needs will be covered and they don’t need to dip in their retirement savings.&nbsp;</p>\n<p>Women will benefit a lot from this policy. In fact, this <a href=\"http://www.altcp.org/should-i-get-long-term-care-insurance-infographic/\">infographic</a> shows that 70% of nursing home residents are women with an average age of admission of 80 years old.&nbsp;</p>\n<p>Make sure to <a href=\"http://www.altcp.org/long-term-care-insurance-quote/\">shop around</a> when buying a policy to compare prices and to find the best available plan perfect for your needs.&nbsp;</p>\n<p><br></p>\n<p>4. Be Familiar with your Retirement Benefits</p>\n<p>Take advantage of retirement plans offered by your employer if there’s any. Start saving early and find out how long you have to contribute before you are vested. It also pays to know the rules about <a href=\"https://www.benefits.va.gov/\">Veterans benefits</a> or Social Security when it comes to spousal rights in case of divorce or death.</p>\n<p><br></p>\n<p>5. Make it a Habit to Review Your Finances Regularly</p>\n<p>Tidy up your finances by doing a <a href=\"http://www.altcp.org/financial-spring-cleaning/\">financial spring cleaning</a>. Review and assess your goals to see what’s working for you and what’s not. Some areas that you should look into are the following: tax refund, credit card, insurance policies and others.&nbsp;</p>\n<p><br></p>\n<p>Have you started planning for long term care? If not, then better get started now to make sure that you’ll have a comfortable and secure retirement.&nbsp;</p>\n</html>",
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      "body": "Hello @samstein! This is a friendly reminder that you have 3000 Partiko Points unclaimed in your Partiko account!\n\nPartiko is a fast and beautiful mobile app for Steem, and it’s the most popular Steem mobile app out there! Download Partiko using the link below and login using SteemConnect to claim your 3000 Partiko points! You can easily convert them into Steem token!\n\nhttps://partiko.app/referral/partiko\n\n![](https://d1vof77qrk4l5q.cloudfront.net/statics/partiko-poster-best-steem-app-for-your-phone.jpg)",
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      "permlink": "don-t-wait-too-long-to-buy-long-term-care-insurance",
      "title": "Don’t Wait Too Long To Buy Long Term Care Insurance",
      "body": "<center>![couple looking at documents.jpeg](https://cdn.steemitimages.com/DQmak9suvRLtbXRkrMqCPYqXd4PBYJfhSu3nRJLkRnrgNtV/couple%20looking%20at%20documents.jpeg)</center>\n\nMany Americans have the tendency to wait for too long to purchase long term care insurance. They choose to sweep it under the rug first and put off purchasing coverage until later down the road. Waiting too long to buy insurance for long term care can actually do you more harm than good. \n\nHow?\n\nIt gets harder to qualify for long term care insurance the older you get. Insurance providers reject individuals who are too old and have pre-existing conditions. \n\n<center>![denied long-term care coverage.jpg](https://cdn.steemitimages.com/DQmYc2VMx27hDCcsAjGqueU7tdg5b9U8YSHbFwXzW79hVaM/denied%20long-term%20care%20coverage.jpg)</center>\n\nIn addition to this,  [premiums](http://www.altcp.org/long-term-care-insurance/long-term-care-insurance-cost/) increase as you get older. You can buy a long term care policy for $1,593.90 at the age of 55, which can go up to $2,296.32 when you buy the policy at age 65. \n\nIt pays to realize the importance of having a long term care insurance policy and to get one early. According to the [latest cost of long term care](http://www.altcp.org/long-term-care/long-term-care-cost/), the average cost of a private room in a nursing home is $100,379 annually. In a span of 5 years, it will increase to $116,362 annually.\n\n<center>![Cost-of-care-2018.png](https://cdn.steemitimages.com/DQmR1j5wSsbV4JKGr9kv3t4sXzcM66X8DbBmTGeEq7QM4PU/Cost-of-care-2018.png)</center>\n\nYour health changes as you age. The older you get, the harder it is for you to health qualify for long term care insurance. Insurers actually offer health discounts to applicants who have good health. But how early should you buy coverage? Should you get it while in your 30s, 40s, 50s, 60s or 70s? \n\nAccording to experts, the [best age to buy long term care insurance is in your 50s](http://www.altcp.org/when-should-you-buy-long-term-care-insurance/). By this time, you are only a few years away from retirement, which makes it the best time to make financial decisions such as boosting your retirement income and buying insurance policies like long term care insurance. \n\n<h1>When Is It Too Late to Buy Long Term Care Insurance?</h1>\n\nMost [insurers](http://www.altcp.org/long-term-care-insurance/long-term-care-insurance-companies/) reject applicants of 70-year old individuals. You can still try to apply for coverage but since long term care insurance companies have strict underwriting, chances are you will get denied of coverage. \n\n<h1>Avoid Financial Woes in 2019</h1>\n\nYou can start your year right by exploring your long term care options this 2019. Now is the best time to put your finances in order and to plan for your future long term care needs.  To help you get started, answer this short [long term care quiz](http://www.altcp.org/long-term-care-quiz/) to find out how much you know about long term care and to help you jumpstart your long term care plan. \n\nIf you’re considering comparing [ALTCP long term care insurance](http://www.altcp.org/long-term-care-insurance/), we can send you [no-obligation quotes](http://www.altcp.org/long-term-care-insurance-quote/) from top insurers. Feel free to compare policies with no pressure to purchase coverage.",
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      "title": "Long Term Care Awareness Month: 3 Long Term Care Planning Tips That Work",
      "body": "<center>https://cdn.pixabay.com/photo/2017/10/31/20/57/hand-2906458_960_720.jpg</center>\n\nThe best time to start the conversation with your family about future plans concerning your health and assets is this November, which is Long Term Care Awareness Month.\n\nLong term care is a truth that everyone needs to be addressed as early as possible to avoid financial woes and becoming a burden to your family. Around 70% of Americans 65 and up will require long term care at some point in their lives. The cost of care is expensive so it’s imperative to prepare for future care expenses.\n\nMake the most of Long Term Care Awareness Month by reaching out to your loved ones to begin the conversation and start planning for long term care. For starters, answer this [short quiz](http://www.altcp.org/long-term-care-quiz/) to find out how much you know about long term care. From there you can take the next step of planning by following these long term care planning tips.\n\n\n#  1.\tDiscussing Long Term Care with Family\n\nInitiating the talk with your family about their future plans for their health is quite challenging. Most older adults aren’t comfortable in sharing their finances with their loved ones. But delaying the conversation will just make things worse. So it’s best to face the inevitable truth that your aging parents are at risk of requiring any form of long term care. \n\nHere are some tips to help you initiate the long term care talk with your loved ones:\n\n•\tStart early – Don’t wait until your loved one requires long term care. Start as early as you can so you have enough time to explore and evaluate options together.\n•\tIntroduce long term care slowly – As soon as your loved one shows signs of difficulty in doing everyday tasks such as doing household chores, walking, bathing and other tasks concerning the personal care, start asking questions whether she needs help in carrying out these activities. \n•\t Explain the importance of care – Explain to your loved one the need for. It would help to make them realize that planning for long term care reduces the risk of becoming a financial and emotional burden to their adult children. Aging parents don’t want to become a burden to anyone so this type of conversation can persuade them to get help.\n•\tConsider your loved one’s preference – Your loved one has the right to make decisions so make sure to consider his or her concerns and preferences when planning for care.\n•\tAsk help from siblings – Asking help from other people is not a sign of weakness. It simply means you want the best for your loved one. Involve other people such as your siblings if your aging loved one doesn’t respond well to your long term care conversation.\n\n# 2.\tUnderstanding Long Term Care\n\nLong term care is described as different types of services and support that a person might need due to old age, illness, disability or injury that he or she would need in order to maintain his or her quality of life. Ltc provides assistance in carrying out Activities of Daily Living (ADLs) such as eating, bathing, dressing, toileting, continence and transferring.\n\n## Who Needs Long Term Care\n\nAccording to a study, 70% of Americans 65 and above will require long term care. But, long term care is not just exclusive to aging individuals. In fact, 41% of long term care recipients are 65 years old and below.\n\n<center>https://i2.wp.com/www.altcp.org/wp-content/uploads/2016/08/who-need-long-term-care_1.png?w=349</center>\n<br>\n<center>https://i1.wp.com/www.altcp.org/wp-content/uploads/2016/08/who-need-long-term-care_2.png?w=349</center>\n\n\nOn average, women would need long term care for 3.7 years while men would need care for 2.2 years.\n\nCheck out this [50 Long Term Care Statistics Everyone Should Know this 2018](http://www.altcp.org/november-is-long-term-care-awareness-month/) that can help you understand long term care more and can help you with planning. \n\n\n## Long Term Care Facilities\n\nThere are different types of long term care facilities and services available today. To avoid confusion and to make sure that you’re choosing the right ltc setting and service to your loved one, here are the different types of long term care settings and services that can help individuals with their care needs.\n\n•\tHome Care – A type of unpaid care that is usually provided by family members or friends or paid care provided by professional caregivers. Home care includes assistance in ADLs, prescription management, physical therapy, and others.\n•\tAdult Day Care – This type of care help family members take care of their loved one without sacrificing their daily activities and other responsibilities. It is designed to take care of aging individuals during the day while their families are at work.\n•\tAssisted Living Facility – This is perfect for older adults who prefer to maintain some of their independence while receiving care. It provides 24-hour supervision, personalized care, housekeeping services, medication management and recreational activities.\n•\tNursing Home – These licensed facilities offer 24-hour supervision and comprehensive long term care services perfect for individuals who are chronically ill and can’t receive care at home or in other communities. It is the most expensive care facility. But you can cover its cost through a long term care insurance coverage.\n\n\n# 3.\tChoosing the Right Long Term Care Payment Option\n \nThere are several ways you can pay for long term care such as government programs like Medicaid or private insurance like long term care insurance and others. \n\nHere’s a list of long term care payment options that can help you find the most fitting option for your loved one.\n\n\n•\t[Medicaid](https://www.medicaid.gov/)– This government program is actually the default payment method for long term care. However, you can only qualify for benefits if your income is $2000 or below. Read this [article](http://www.altcp.org/does-medicaid-pay-for-long-term-care/) to find out how Medicaid can pay for long term care.\n•\t[Long term care insurance](http://www.altcp.org/long-term-care-insurance/) – This is a type of insurance that helps Americans fund long term care expenses that they might need due to old age, chronic illness, injury or accident. It helps pay for different types of long term care support and services such as home care, adult day care, assisted living and nursing home. \n•\t[Life Insurance with LTC Rider](http://www.altcp.org/ltc-insurance-life-insurance-ltc-rider/) – It is a type of life insurance that provides long term care and death benefit. This is perfect for people who have been turned down for traditional long term care insurance since it has a loose underwriting. However, it is more expensive and has limited benefits.\n•\t[Short Term Care Insurance](http://www.altcp.org/short-term-care-insurance/) - As the name implies, it is a type of insurance that pays for long term care for a short time – for a few days up to 365 days. It is more affordable compared to traditional long term care policy but it’s limited coverage is risky considering that aging individuals usually receive long term care around 2 to 3 years.\n•\tGroup Long Term Care Insurance – It also referred to as [employer-sponsored long term care insurance](http://www.altcp.org/group-long-term-care-insurance/). It is offered by employers that help Americans pay for their care needs. It has a simple underwriting, which makes it perfect for individuals who have health conditions or too old to buy traditional long term care policy.  However, it provides limited coverage. It pays for 50% or 75% of home care unlike individual long term care insurance that covers 100% of home care.\n•\t[Self-Insuring](http://www.altcp.org/long-term-care-insurance-vs-self-insuring/) – It means funding your long term care expenses by means of your assets or other financial resources you have. This is only recommended for individuals with assets that are worth $2.5 million. It is known to be very effective if you live in states with cheap long term care facilities and services. \n\n## Conclusion\n\nLong term care is a truth you can never run away from because it will eventually catch up on you. Instead of putting of long term care planning, make the most of Long Term Care Awareness Month this November to help your loved ones plan for their future care needs and avoid putting their savings at risk and becoming a burden to the family by using this guide.",
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      "title": "Long Term Care Awareness Month: 3 Long Term Care Planning Tips That",
      "body": "<center>https://cdn.pixabay.com/photo/2017/10/31/20/57/hand-2906458_960_720.jpg</center>\n\nThe best time to start the conversation with your family about future plans concerning your health and assets is this November, which is Long Term Care Awareness Month.\n\nLong term care is a truth that everyone needs to be addressed as early as possible to avoid financial woes and becoming a burden to your family. Around 70% of Americans 65 and up will require long term care at some point in their lives. The cost of care is expensive so it’s imperative to prepare for future care expenses.\n\nMake the most of Long Term Care Awareness Month by reaching out to your loved ones to begin the conversation and start planning for long term care. For starters, answer this [short quiz](http://www.altcp.org/long-term-care-quiz/) to find out how much you know about long term care. From there you can take the next step of planning by following these long term care planning tips.\n\n\n#  1.\tDiscussing Long Term Care with Family\n\nInitiating the talk with your family about their future plans for their health is quite challenging. Most older adults aren’t comfortable in sharing their finances with their loved ones. But delaying the conversation will just make things worse. So it’s best to face the inevitable truth that your aging parents are at risk of requiring any form of long term care. \n\nHere are some tips to help you initiate the long term care talk with your loved ones:\n\n•\tStart early – Don’t wait until your loved one requires long term care. Start as early as you can so you have enough time to explore and evaluate options together.\n•\tIntroduce long term care slowly – As soon as your loved one shows signs of difficulty in doing everyday tasks such as doing household chores, walking, bathing and other tasks concerning the personal care, start asking questions whether she needs help in carrying out these activities. \n•\t Explain the importance of care – Explain to your loved one the need for. It would help to make them realize that planning for long term care reduces the risk of becoming a financial and emotional burden to their adult children. Aging parents don’t want to become a burden to anyone so this type of conversation can persuade them to get help.\n•\tConsider your loved one’s preference – Your loved one has the right to make decisions so make sure to consider his or her concerns and preferences when planning for care.\n•\tAsk help from siblings – Asking help from other people is not a sign of weakness. It simply means you want the best for your loved one. Involve other people such as your siblings if your aging loved one doesn’t respond well to your long term care conversation.\n\n# 2.\tUnderstanding Long Term Care\n\nLong term care is described as different types of services and support that a person might need due to old age, illness, disability or injury that he or she would need in order to maintain his or her quality of life. Ltc provides assistance in carrying out Activities of Daily Living (ADLs) such as eating, bathing, dressing, toileting, continence and transferring.\n\n## Who Needs Long Term Care\n\nAccording to a study, 70% of Americans 65 and above will require long term care. But, long term care is not just exclusive to aging individuals. In fact, 41% of long term care recipients are 65 years old and below.\n\n<center>https://i2.wp.com/www.altcp.org/wp-content/uploads/2016/08/who-need-long-term-care_1.png?w=349</center>\n<br>\n<center>https://i1.wp.com/www.altcp.org/wp-content/uploads/2016/08/who-need-long-term-care_2.png?w=349</center>\n\n\nOn average, women would need long term care for 3.7 years while men would need care for 2.2 years.\n\nCheck out this [50 Long Term Care Statistics Everyone Should Know this 2018](http://www.altcp.org/november-is-long-term-care-awareness-month/) that can help you understand long term care more and can help you with planning. \n\n\n## Long Term Care Facilities\n\nThere are different types of long term care facilities and services available today. To avoid confusion and to make sure that you’re choosing the right ltc setting and service to your loved one, here are the different types of long term care settings and services that can help individuals with their care needs.\n\n•\tHome Care – A type of unpaid care that is usually provided by family members or friends or paid care provided by professional caregivers. Home care includes assistance in ADLs, prescription management, physical therapy, and others.\n•\tAdult Day Care – This type of care help family members take care of their loved one without sacrificing their daily activities and other responsibilities. It is designed to take care of aging individuals during the day while their families are at work.\n•\tAssisted Living Facility – This is perfect for older adults who prefer to maintain some of their independence while receiving care. It provides 24-hour supervision, personalized care, housekeeping services, medication management and recreational activities.\n•\tNursing Home – These licensed facilities offer 24-hour supervision and comprehensive long term care services perfect for individuals who are chronically ill and can’t receive care at home or in other communities. It is the most expensive care facility. But you can cover its cost through a long term care insurance coverage.\n\n\n# 3.\tChoosing the Right Long Term Care Payment Option\n \nThere are several ways you can pay for long term care such as government programs like Medicaid or private insurance like long term care insurance and others. \n\nHere’s a list of long term care payment options that can help you find the most fitting option for your loved one.\n\n\n•\t[Medicaid](https://www.medicaid.gov/)– This government program is actually the default payment method for long term care. However, you can only qualify for benefits if your income is $2000 or below. Read this [article](http://www.altcp.org/does-medicaid-pay-for-long-term-care/) to find out how Medicaid can pay for long term care.\n•\t[Long term care insurance](http://www.altcp.org/long-term-care-insurance/) – This is a type of insurance that helps Americans fund long term care expenses that they might need due to old age, chronic illness, injury or accident. It helps pay for different types of long term care support and services such as home care, adult day care, assisted living and nursing home. \n•\t[Life Insurance with LTC Rider](http://www.altcp.org/ltc-insurance-life-insurance-ltc-rider/) – It is a type of life insurance that provides long term care and death benefit. This is perfect for people who have been turned down for traditional long term care insurance since it has a loose underwriting. However, it is more expensive and has limited benefits.\n•\t[Short Term Care Insurance](http://www.altcp.org/short-term-care-insurance/) - As the name implies, it is a type of insurance that pays for long term care for a short time – for a few days up to 365 days. It is more affordable compared to traditional long term care policy but it’s limited coverage is risky considering that aging individuals usually receive long term care around 2 to 3 years.\n•\tGroup Long Term Care Insurance – It also referred to as [employer-sponsored long term care insurance](http://www.altcp.org/group-long-term-care-insurance/). It is offered by employers that help Americans pay for their care needs. It has a simple underwriting, which makes it perfect for individuals who have health conditions or too old to buy traditional long term care policy.  However, it provides limited coverage. It pays for 50% or 75% of home care unlike individual long term care insurance that covers 100% of home care.\n•\t[Self-Insuring](http://www.altcp.org/long-term-care-insurance-vs-self-insuring/) – It means funding your long term care expenses by means of your assets or other financial resources you have. This is only recommended for individuals with assets that are worth $2.5 million. It is known to be very effective if you live in states with cheap long term care facilities and services. \n\n## Conclusion\n\nLong term care is a truth you can never run away from because it will eventually catch up on you. Instead of putting of long term care planning, make the most of Long Term Care Awareness Month this November to help your loved ones plan for their future care needs and avoid putting their savings at risk and becoming a burden to the family by using this guide.",
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      "permlink": "planning-for-long-term-care-the-most-overlooked-retirement-expense",
      "title": "Planning for Long-Term Care: The Most Overlooked Retirement Expense",
      "body": "![couple planning for long term care.jpg](https://cdn.steemitimages.com/DQma7FrvzJvBErLmRHHpdqztxppZULeno9gUGPKhZ4PkgZh/couple%20planning%20for%20long%20term%20care.jpg)\n\nThe majority of Americans think that they’ll cruise through retirement as long as they have savings and investments. Sorry to burst everyone’s bubbles but saving money is just a part of retirement planning.\n\nSo, what else should be considered?\n\nLong-term care.\n\n# What is long-term care?\n\nLong-term care is defined as the support and services a person might need to maintain the quality of life due to injuries, disabilities or illnesses. Ltc covers assistance in carrying out six Activities of Daily Living or ADLs and they are as follows:\n\n1.\tEating\n2.\tBathing\n3.\tDressing\n4.\tToileting\n5.\tContinence\n6.\tTransferring\n\nAround [70% of Americans 65 and up will need long-term care](http://www.altcp.org/long-term-care/), which means that there is a high chance we might need any form of long-term care during our golden years.\n\nUnfortunately, Americans overlook their potential long-term care needs. What’s more alarming is that many underestimate the cost of long-term care and mistakenly think that Medicare, Medicaid and health insurance can help fund it.\n\nIn fact, a [poll](http://apnorc.org/news-media/Pages/Retirement-planning-should-include-long-term-care-costs.aspx) conducted by Associated Press-NORC revealed that two-thirds of Americans age 40 and up have done little planning or no planning at all for their long-term care needs.\n\nTo address these ltc issues, ALTCP came up with easy steps on how Americans can plan for long-term care.\n\n# 1.\tGet Educated\n\nYou may have already heard things about long-term care. But, it doesn’t mean that everything you hear is true. You should do your homework by doing research and getting familiar with different [long-term care options](http://www.altcp.org/long-term-care/long-term-care-facilities/) such as nursing homes, adult day care, assisted living facilities and more. In doing so, you’ll have an easier time determining the appropriate ltc service or facility for you.\n\n# 2.\tFind out the Real Cost of Long-Term Care\n\nIt’s easy to get a realistic picture of long term care cost today. ALTCP has a [long-term care cost interactive map](http://www.altcp.org/long-term-care/long-term-care-cost/) that allows people to check the median cost of different long-term care facilities and services by state. \n\nA private room in a nursing home is the most expensive today, which has an average annual cost of $100,379 followed by a semi-private room that has an average annual cost of $88,348. Here are the rest of the long-term care options and their average costs.\n\n![average annual cost of long term care 2017.png](https://cdn.steemitimages.com/DQmbHAWu96c71kMsucff2V5kXvZecRosSSb2TykgyQgQB2G/average%20annual%20cost%20of%20long%20term%20care%202017.png)\n\n# 3.\tFind the Truth Behind Long Term Care Payment Options\n\nA lot of Americans think that Medicare pays for long-term care. But, it’s just a [myth](http://www.altcp.org/long-term-care/long-term-care-statistics/) because Medicare doesn’t pay for non-skilled living assistance or extended nursing home stays, which make up the majority of care needs today.\n\nMedicaid, on the other hand, pays for long-term care. However, only those with low-income are eligible for Medicaid benefits. It’s best to research on Medicaid eligibility rules since U.S states have their own set of rules and also to find out if you can qualify.\n\nDue to misconceptions and lack of information on financing options, [more than 50% of Americans end up paying out-of-the-pocket](https://bipartisanpolicy.org/press-release/how-can-americans-afford-long-term-care-bpc-releases-new-recommendations/) according to Bipartisan Policy Center report.\n\n# 4.\tBuy Long-Term Care Insurance\n\nLong-term care insurance is defined as a [product that helps Americans fund long-term care services and facilities](http://www.altcp.org/long-term-care-insurance/) that they might need due to old age, illness, injury or disability. \n\nYou have the option to buy [group long-term care insurance](http://www.altcp.org/group-long-term-care-insurance/) through your employer or an individual insurance from [companies that sell individual policy](http://www.altcp.org/long-term-care-insurance/long-term-care-insurance-companies/) like Genworth, Transamerica and Mutual of Omaha.\n\nSad to say, only 7.2 million Americans have long-term care insurance out of around 47 million Americans who are at risk of requiring ltc. \n\nOne reason behind this alarming attitude is that people find long-term care insurance costs expensive. But the good news is that if you start doing your research and planning for long-term care early, your premiums will be lower.\n\nTake a look at the annual average cost of long-term care insurance by age below.\n\n![annual long term care insurance cost estimate.jpeg](https://cdn.steemitimages.com/DQmNhuEBmxV5ZZMedmvgeAdRLNcWptyYTJbtgN73jUHFi4g/annual%20long%20term%20care%20insurance%20cost%20estimate.jpeg)\n\nYou can save on the price of long-term care insurance when you buy early since insurers consider you as low-risk. The younger and healthier you are, the lower your premiums will be.\n\nTo help you come up with a well-informed decision, here are 5 reasons you should buy long-term care insurance now.\n\n![is ltci worth it cover photo.png](https://cdn.steemitimages.com/DQmSewd7Pi9GCchgqiZxqJoUgEsyCg9iwYdpzs31TuhEx6c/is%20ltci%20worth%20it%20cover%20photo.png)\n\n[Is Long Term Care Insurance Worth It?: 5 Reasons You Should Buy Now](https://www.slideshare.net/SamanthaStein8/is-long-term-care-insurance-worth-it)\n\n# 5.\tInclude your Family When Planning\n\nMost often than not, family members get involved when it’s time for you to receive long-term care. So, it’s highly recommended to discuss your plan and wishes to your loved ones before a crisis happens. \n\nSometimes, a family member needs to take care of aging parents at home first before moving them to a nursing home or assisted living facility. You need to introduce these possible situations to your loved ones first to make sure that they are on the same page with you and they are ready when it’s time for you to receive ltc.",
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