“In a fraction of a second, a black pit yawned in front of me, Evil laughter filled my ears – as I was dragged to the brink!” HORROR STORIES (June 1971) “Deep within the great jungle dwelt a race of things – moving in darkness, reeking of death, having no pity in their hearts!” This issue of “Horror Stories” is brought to you by Arnold Schwarzenegger and his muscle building book. “An unholy glare lit up the surrounding countryside as howling Powers of Darkness took control of yet another helpless town!” “Her eyes looked at me, and through me, and beyond me to a world long ago where we could have been happy.” Thankfully, “Horror Stories” would carry on the tradition the following year…. “Eternal power, ecstasy, control – his inviting words hypnotized her soul.”Īnd that is all she wrote – the end of “Adventures in Horror”. “Beth found herself the unwilling lover of a pair of fiends!… The lust-driven creature carried her off in his rotting arms – to share an eternity of living death.” “Adventures in Horror” is brought to you by the makers of the inflatable Loveable Doll for playful adults… Medicare will not cover most long-term care costs, and Medicaid is difficult to qualify for as the person needing care generally may not have more than $2,000 in assets, with the exact amount varying by state.“The female is deadlier than the male – especially when she is a high sorceress of voodoo!” To encourage people to pay for their own care, most states have long-term care insurance partnership programs that exempt benefits already paid by a qualifying policy when determining assets for Medicaid.įor example, if you exhausted your policy and received $600,000 in long-term care insurance benefits, the state lets you keep up to $602,000 in assets and still qualify for Medicaid. If it does, the state insurance department should list participating insurers. ![]() Important Planning Considerations: Insurance & Long-Term Care."It doesn't cost you anything extra to get a partnership plan, and it allows you to buy a shorter plan and still feel like you have catastrophic care protected," through Medicaid, says Marc Glickman, an actuary and chief executive officer of Los Angeles-based BuddyIns, which sells long-term care insurance nationwide. If you can afford it, most experts recommend getting some inflation protection. You can choose simple or compounded and the percentage. ![]() According to figures from the American Association for Long-Term Care Insurance, a single 55-year-old woman in good health can expect to pay an average of $1,500 a year for a traditional long-term care policy with a $165,000 pool of benefits and no inflation protection. ![]() That's an approximately $150 daily benefit over three years. Adding 1% of compounded inflation protection raises the annual premium to about $2,150, but at age 85, her benefits pool will be $222,400. With 3% compounded inflation protection, the premium jumps to $3,700 annually for a $400,500 pool of benefits at age 85. "All stand-alone long-term care policies have to offer inflation protection, and they usually give a number of different options," says Robert Eaton, principal and consulting actuary with Milliman in Tampa, Fla. The choices usually include inflation protection ranging from 1% to 5%.Ĭouples may want to consider shared care. ![]() This provision lets one spouse, who has used up the benefits in their own policy, tap the other spouse's benefits. "You get six years for each person and then another six years that two people can share," says Glickman.
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