Monday, December 5, 2016
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Lost & Found

Found: Red Chihuahua, male, friendly but frightened, need to find his owner, in Floresville. 830-534-6413.

VideoFound: Dog, chocolate color, on old Pittman Rd., be prepared to prove it's your dog, looking for owner. Call or text Tammy at 830-391-6662.
Lost: Male Great Pyrenees, all white, double dew claws on back legs, sweet, shy, not aggressive, Nov. 10, C.R. 404/405, neighbors heard 2 shots, any information appreciated. 830-393-0801.
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Help Wanted

>Dean & Peeler Meatworks Custom Butchery in Poth TX will be opening in early 2017 and is searching for a head butcher and qualified meat cutters. This will be a cattle only federally inspected facility focusing on full high quality fabrication for customers and private labels. Those individuals interested please contact us at (806) 789-6359 or dustin_dean@hotmail.com.
*Fair Housing notice. All help wanted advertising in this newspaper is subject to the Fair Housing Act which makes it illegal to advertise "any preference limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention, to make any such preference limitation or discrimination." This newspaper will not knowingly accept any advertising for help wanted ads, which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis.
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South Texas Living


Save on long-term care insurance




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Jim Miller
The Savvy Senior
January 11, 2011 | 3,789 views | Post a comment

Dear Savvy Senior,

My wife and I have been thinking about purchasing a long-term care insurance policy, but have found the monthly premiums to be very expensive. How can we find affordable coverage?

Planning Ahead

Dear Planning,

The biggest factor that keeps millions of Americans from purchasing long-term care (LTC) insurance is the high price tag. Depending on your age, you and your wife could be looking at $7,000 a year (if not more) to purchase a comprehensive policy that covers nursing home care, assisted living and in-home care. Fortunately, there are ways to save and still get adequate coverage.

Buy Young

One of the most basic ways to lower LTC insurance premiums is by purchasing a policy at a younger age. A policy that costs a 55-year-old $2,000 a year in premiums could costs a 65-year-old more than $3,000. Health is another fact that can affect costs. While good health can lower your monthly payments, having a preexisting medical condition can increase your costs, or you may not be able to get insurance at all.

Check your employer

Some employers offer LTC insurance as an employee benefit that is often five to 10 percent less expensive that buying a policy on your own. Or, if you or your wife is a current or retired Federal employee, you can get affordable coverage through the Federal LTC Insurance Program ( www.ltcfeds.com ).

Tweak the Policy

The cost of LTC insurance depends greatly on the policy’s previsions. Ways to trim your premiums:

•Reduce the benefit period: A policy that covers you for two or three years, versus an unlimited benefit, meets the needs for most people and can cut your premiums in half.

•Lower the daily benefit: You can get a policy that pays $100, $150, $200 per day or more, but the higher the benefit, the higher your premium. To figure out how much coverage to get, check out the nursing home prices in the area you plan to be. Then figure out how much of the bill you could shoulder yourself, and choose a benefit that makes up the difference.

•Extend the waiting period: Most policies have waiting periods (30, 60, 90 days, or more) that require you to pay out-of-pocket before the policy kicks in. The longer you wait the lower your premium.

•Get cheaper inflation protection: Choosing a policy that offers inflation protection linked to the consumer price index is about 20 to 40 percent cheaper than standard policies that use a 5 percent compound inflation factor.

Get State Help

Many states today have a LTC partnership program that can help you save. Under these programs, if you buy a LTC policy approved by your state Medicaid agency, you can protect an amount of assets from Medicaid equal to the benefits that your policy pays out. How does it work? Let’s say you buy a policy that provides $200,000 in benefits (multiply your daily benefit by your benefit period). If you use up all the benefits but still need care, you can shield $200,000 of your assets and still have Medicaid pay your remaining nursing home bills. With this program, you can choose a shorter benefit period which will lower your premiums. Contact your state insurance department to see if your state offers a program.

Add a Supplement

Another option to consider is Uncle Sam’s soon-to-be-established LTC program known as the Community Living Assistance Services and Supports (CLASS) Act -- see healthcare.gov. Starting in 2013, this program will allow workers to set aside money from their paychecks for five years, in order to receive a cash benefit of at least $50 a day to help pay for LTC services when needed. While CLASS won’t cover all your LTC costs, it can work as a supplement to a LTC policy.

Savvy Tips: For more information, visit http://www.longtermcare.gov and http://www.aaltci.org.

Jim Miller is a contributor to the NBC “Today” show and author of The Savvy Senior book. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit http://SavvySenior.org .
 

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