Long-Term Care

The Theory of Longevity

The factors determining how and when one dies often remain a mystery. Consider comedian George Burns who, despite being an avid cigar smoker for 75 years, lived to age 100. In the continued study of longevity, researchers have uncovered another startling statistic: Holocaust survivors lived 7.1 years longer on average than their contemporaries who were…

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The Art of Being Happy

When are we happiest? A new study by the Resolution Foundation reveals that the two ages when people tend to be their happiest are 16 and 70.1 This makes sense when you think about it. Sixteen is often the first time children get a taste of independence — they’re old enough to drive and yet…

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Medicare Reform Outlook: Uncertain

With a new administration in the nation’s highest office, there is growing debate about Medicare reform. The federal program, which helps provide health insurance to those over 65 and certain younger people with disabilities, is partially funded by participant premiums and a 1.45 percent payroll tax, matched by employers. Yet, it routinely exceeds its funding…

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LTC Considerations

Long-term care insurance (LTC) has experienced some growing pains in recent years. Sustained low interest rates and coverage limitations have made it difficult for some to find policies that meet their needs.1 As a result, many LTC insurers have exited the business because they couldn’t make a profit. Today, there are only 14 carriers still…

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