Women will use long term care for 4 years vs 3 years with men

http://www.lifeinsurance4women.com

Women account for two thirds of all long term care insurance claims paid in 2018. AALTCI

Text Connie Dello Buono, 0G60621 for long term care insurance with life insurance added policy to be customized based on your needs, with medical or non medical tests needed. 4088541883 connie@connielifeins.com

Example: 67 yr old male, $140 per month premium for long term care plus life insurance policy to get $3000 monthly benefit in long term care.
Personlized 24 7 care at home with caregivers ranges from $350 per day and up in the bay area. $25 per hour. Text 408-854-1883 for bay area caregivers for live in home care in your house.

Reported in LTCi Sales Strategies magazine (Volume 7, Number 3, December 2005). May be used with credit to LTCi Sales Strategies magazine and Milliman USA.

What’s the likelihood of getting LTC services (based on length of stay information shared by Milliman USA, leading LTC insurance actuaries) from all ages combined?  

Out of 1,000 65-year-old policyholders
        –      449 will get LTC services
        –      106 will get LTC for > 2 years   
        –      59 will get LTC for > 3 years
        –      34 will get LTC for > 4 years
        –      20 will get LTC for > 5 years

The length of stay also varies significantly by whether the policyholder is married or single, or male or female. The two “extremes” for a 65-year old are shown: that for a married male (lowest) and a single female (highest).

Out of 1,000 65-year-old males, who are married              

        –      302 will get LTC services
        –      20 will get LTC for > 2 years   
        –      12 will get LTC for > 3 years
        –      7 will get LTC for > 4 years
        –      4 will get LTC for > 5 years

Out of 1,000 65-year-old females, who are single

        –      555 will get LTC services
        –      70 will get LTC for > 2 years   
        –      51 will get LTC for > 3 years
        –      35 will get LTC for > 4 years
        –      23 will get LTC for > 5 years

Source:  Data compiled by Milliman USA, published in LTCi Sales Strategies magazine, December 2005.

Earn $5000 per month for 40 years tax free with health benefits

38 female in cal tax free lifetime income retirement at 8percent

Save $8500 per year starting the age of 38 yrs old for 30 years and receive $5000 per month as retirement income tax free with health benefits, access to funds during health threats: cancer,stroke or disability.

Stop waiting to be a lotto winner. There is another way. Start saving electronically each month. Increase your deductions. Call Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com

 

Avoiding high retirement health costs

Reading from yahoo finance today re-affirmed my commitment in hiring more people in our crusade at Premier Financial Insurance , pfaonline.com to help those prepare for health crisis or illness (terminal, chronic and critical) aside from having a health care plan but also a retirement plan with full living benefits from National Life Group. Please call Connie 408-854-1883 or motherhealth@gmail.com if you want to help others protect their assets and insure their retirement income with full living benefits for illness such as terminal, chronic and critical.

—————We are hiring:  You are all invited every Monday at 7pm at 400 Oyster Pt, South San Francisco, Ste 120. Wear formal suit. Earn an income with no glass ceiling while helping others with tax free distribution of retirement income with living benefits.

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Mondays, Wed, Tues and Friday Retirement Plan Supercharged Intro 7:30pm  Connie at motherhealth@gmail.com 408-854-1883

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Below is an article at yahoo.com on avoiding high retirement health costs.

Blair noted too that some individuals with chronic conditions may find a Medicare Advantage Special Needs Plan (SNP) to be suitable for their needs. Medicare SNPs, said Blair, are a specific type of Medicare Advantage plan that limit enrollment to individuals with specific diseases and/or chronic conditions, which may include cancer, cardiovascular disorders, dementia, and end-stage renal disease.

Blair said SNPs tailor their benefits, provider networks, and drug formularies to best meet the specific needs of certain group of individuals. Read Your Guide to Medicare Special Needs Plans (SNPs).

There are other things that you can do to trim costs, according to a recent survey from eHealthInsuance.com.

For instance, less than 9% of individuals who take prescription medication for diabetes, heart disease, Alzheimer’s disease, and chronic obstructive pulmonary disorder (COPD) are in the Medicare Part D plan with the lowest total out-of-pocket costs available to them, according to review of more 46,000 unique user sessions on eHealthMedicare.com and PlanPrescriber.com.

The eHealthInsurance study, which reviewed unique user sessions that occurred on eHealth’s Medicare plan comparison and enrollment websites, during the 2013 Medicare annual enrollment period, found that 92% of Medicare enrollees who take medications for one of these four major illnesses were not in the lowest cost plan for the specific prescription drugs they were taking, according to a release.

The eHealthInsurance study found that individuals taking prescription medications for these specific drugs would save an average of $716 on prescription drugs in 2013 by switching to the MA prescription drug plan or stand-alone prescription drug plan with the lowest total out-of-pocket costs for their medications. Read eHealth Study: Medicare Beneficiaries with Diabetes, COPD, Alzheimer’s and Heart Disease Benefit More, on Average, by Comparing Medicare Drug Plans.

To be sure, it might seem like a full-time job doing all this work just to cut health-care costs in retirement. But doing so will be well worth time and effort, say experts. After all, would you rather spend your nest egg on living or on health care?

Robert Powell is editor of Retirement Weekly, published by MarketWatch. Follow his tweets at RJPIII. Got questions about retirement? Get answers. Send Bob an email here.

Robert Powell is a MarketWatch Retirement columnist

Cash upfront or payments over time

cash or future 2cash or future

Call Connie 408-854-1883 motherhealth@gmail.com , now hiring in 49 states , financial retirement planners and wealth strategists ; motherhealth@gmail.com , pfaonline.com

 

—————We are hiring:  You are all invited every Monday at 7pm at 400 Oyster Pt, South San Francisco, Ste 120. Wear formal suit. Earn an income with no glass ceiling while helping others with tax free distribution of retirement income with living benefits.

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10/25/2013 Retirement Plan Supercharged 6:30pm Dinner and  40min Presentation at Denny’s Restaurant in Milpitas, CA. Please RSVP Connie at motherhealth@gmail.com 408-854-1883

Americans buy health plan to avoid high cost of medical care

I buy a health plan to avoid high cost of medical care and most Americans have the same reason (motherjones.com).
And if health insurance against devastating medical costs is a good thing for us middle-class types, it is a good thing for the poor people too.

I remembered my co-worker who few months ago suffered a stroke and after recovering he incurred so high medical costs that he could no longer pay his house mortgage.

Critical illness and terminal illness will affect our retirement savings if we have one and our assets.

To protect assets, provide additional full living benefits due to terminal, critical and chronic illness and retirement income tax free are the main features of the product of National Life Group a flagship company brokered by Premier Financial alliance who is now hiring financial service people savvy and business minded individual who can build teams and help consumers meet their current and future retirement plan and other financial planning needs.
Call Connie if you are looking for Plan B, part time or full time job and located in 49 states in the USA. 408-854-1883 ; motherhealth@gmail.com

 

—————We are hiring:  You are all invited every Monday at 7pm at 400 Oyster Pt, South San Francisco, Ste 120. Wear formal suit. Earn an income with no glass ceiling while helping others with tax free distribution of retirement income with living benefits.

—————————–

10/25/2013 Retirement Plan Supercharged 6:30pm Dinner and  40min Presentation at Denny’s Restaurant in Milpitas, CA. Please RSVP Connie at motherhealth@gmail.com 408-854-1883

Insure your retirement income for life with Indexed Annuities

from the book, The Retirement Miracle by Patrick Kelly

Do you want to insure your retirement savings against loss and ,at the same time, participate in some of the annual growth of the stock market and maybe insure that you will protect all of previous years of growth as well?

Financial crisis, increased longevity and boomers’ growing skepticism about traditional pensions and Social Security, led many to use Indexed Annuities to save for retirement with protection and low risk.

The good thing with Indexed Annuities is that you can transfer all your tax-qualified money into it without any tax penalty.  You can keep the same set of tax laws and simply transfer the money into this new product and, in so doing, insure the retirement account against the damaging effects of a negative market.

4 features: penalty-free withdrawal, tax-deferred growth, bypass probate and the option of guaranteed lifetime income and most important it provides:

-100% safety against stock market declines and

-solid growth potential

With Indexed Annuities, you get the potential of an inflation-beating return and have 100% safety against market risk of not only your principal, but also of all your previous years of gains?

In 2008, the owners of Indexed Annuities did not lose a penny.

Some indexed annuities pay a deposit bonus.

So, if you are a retiree who has money in any tax-deferred plan and you like the prospect of growing your retirement account with zero market risk, Indexed Annuities is your answer.

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With Premier Financial Alliance http://www.pfaonline.com , we work with National Life Group and other insurance companies who can provide you with Index Annuities ( a Roth IRA Supercharged) . We are currently hiring financial service sales, trainers and recruiters in the USA. Call 408-854-1883. motherhealth@gmail.com

We are hiring people savvy and ambitious bayarea pros, ongoing interview 12noon and 6pm at Whole Foods patio in San Ramon, Bollinger Canyon Rd,  Mondays-Fridays, contact Connie 408-854-1883.