Monday, July 6, 2015
1012 C Street  •  Floresville, TX 78114  •  Phone: 830-216-4519  •  Fax: 830-393-3219  • 

WCN Site Search


Lost & Found


VideoLost: Cat in Floresville, end of Sutherland Springs Rd., wearing blue flea collar, grey and cream with tabby stripes, my little boy is worried about me. Call 210-216-9634 or 830-393-8496. 

VideoFound dog, cream white and black male w/ blue collar walking on hwy 181 by new richardson chevy last night call 2102863515

VideoFound on Longhorn Rd, neutered male Australian Shepherd mix, Call 210-305-2772 to claim.
More Lost & Found ads ›

Help Wanted

The Floresville Independent School District is accepting applications for District Wide Custodian Positions, 2:00 p.m. to 10:30 p.m. shift. Applications may be obtained online at www.fisd.us or contact Sylvia Campa at 830-393-5300 ext. 14002 for appointments. FISD Personnel Office is located at 1200 5th St., Floresville, Texas. 830-393-5300 (Office hours: 8:00-4:00). Applications will be accepted until all positions are filled. An Equal Opportunity Employer.
SS Water Supply Corp. is accepting applications for a full-time Administrative Assistant. Minimum qualifications: Five years in an office environment, proven organization and computing skills and above average communication ability required. The ideal candidate will have some financial management experience, ability to understand and interpret legal documents, become a notary, acquire skills to support the water utility industry and work independently on occasion. Person selected will be in an environment dealing with a variety of situations while serving the public. Starting pay depends on experience. Great benefits! Applications and resumes will be taken until position is filled! Apply in person at 10393 U.S. Hwy. 87 W., La Vernia, Texas, 830-779-2837.
More Help Wanted ads ›

Featured Videos





Video Vault ›
Richardson Chevrolet homeTNMCRE/MAX home
You’ve been granted free access to this subscribers only article.

Section A: General News


Selecting insurance options




E-Mail this Story to a Friend
Print this Story
June 6, 2012 | 1,363 views | Post a comment

Thanks to Baby Boomers and modern medical marvels, more Americans than ever are heading into their senior years, and they’re expected to live longer than ever, too. Barely 50 years ago, our average life expectancy was 62.5 years; today that number has risen to 78.2 years, according to the U.S. Census Bureau.

That means that more Americans than ever will also soon be deciding how to handle their eldercare. Steve Casto, retirement income specialist and author of Is Your Retirement Headed in the Right Direction?, said there are important questions and answers to consider before making that critical decision.

Here are some questions -- and their answers:

Q. Should I opt for nursing-home or in-home care insurance?

A. When selecting insurance plans, protect against your worst risk first. In-home care is more about maintenance, while care outside the home is focused on crises. Home care is good for when a person needs help getting around. If he has a stroke, he’d need to be cared for outside the home initially, so there is a need for both.

Q. What should I select as my daily allowance?

A. If your health deteriorates, a daily allowance of $100 per day could cover all your care outside the home, but only a third of the care inside the home. Your home-care costs could rocket to more than $400 or more per day, so plan for the worst.

Q. What is an elimination period?

A. Sometimes referred to as the “waiting” or “qualifying” period, this refers to the length of time between the beginning of an injury or illness and receiving benefit payments from an insurer. With long-term care, the typical elimination period is 90 days, which means you are responsible for covering the first 90 days of care on your own. Most people believe that Medicare covers the first 90 days, which is dead wrong. It only covers it under certain conditions, and not all patients meet those conditions, which include:

•A nursing home stay that follows a three-day hospital stay

•Admission to a nursing home within 30 days of hospital discharge

•A Medicare-certified nursing home

•Physician-certified need for skilled care on a daily basis.

Your best bet is to be insured through a long-term care policy for that first 90 days.

“These are just a few of the issues,” Casto said. “A good starting point for those planning early is to completely discount the idea of getting a dime from Medicare. Even if it is still around when you need long-term care, the restrictions on Medicare are tightening. You’ll be lucky to get the program to pay for 10 percent of a nursing home stay.

“The real answer is to get a solid long-term care insurance policy that is based on a sound plan.”
 

Your Opinions and Comments


Be the first to comment on this story!


You must be logged in to post a comment.




Not a subscriber?
Subscriber, but no password?
Forgot password?

Section A: General News Archives


Full article available to Wilson County News subscribers only. Click here to subscribe. Corner Store grand opening is set for July 2 (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Court Update (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Crouch Memorial Bull Riding (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Dan Patrick weighs in on same-sex marriage decision (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Disabled veteran license plates available for widows (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Does the EPA control your stock tank? (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. East Central ISD decisions will save taxpayers millions (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Changing the past to fundamentally transform America (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Donald Trump tries to put his brand on GOP (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Editorial: Hillary and history: Best-known is not the same as best-qualified (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Event highlights seniors, vets, services July 17 (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. FELPS aims to improve reliability systemwide (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville ISD adopts $39M budget (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Floresville keeps city manager, 'extravaganza' (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Free July training for business owners (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Guadalupe deputies hunt fugitive after bar fight near Seguin (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. H-E-B recalls burger buns (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia approves $26M-plus budget (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Letter: Frightened aging bones (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Meeting Watch: Falls City City Council (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Miles Svoboda earns saddle in chute dogging event (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. New battalion commander recalls Floresville roots (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Nixon residents respond to shooting with prayer (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Parkside Homes wins planning and zoning approval (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Scam email: Pay up or die (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Skloss retires after four decades with Karnes Electric (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tanker, tow truck crash on U.S. 181 (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Tour vintage aircraft at Stinson Municipal Airport (July 1, 2015)
Full article available to Wilson County News subscribers only. Click here to subscribe. Traps to avoid after graduation (July 1, 2015)