Search
Advertisement
November 2019
M T W T F S S
« Sep    
 123
45678910
11121314151617
18192021222324
252627282930  
Search
HealthInsurance.com Homepage
TopOfBlogs

Posts Tagged ‘Seniors’

Crowning glory: as employers reduce retiree benefits, more seniors are losing their prized dental coverage.: An article from: Best’s Review

Product Description
This digital document is an article from Best’s Review, published by Thomson Gale on January 1, 2008. The length of the article is 3052 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Crowning glory: as employers reduce r… More >>

Crowning glory: as employers reduce retiree benefits, more seniors are losing their prized dental coverage.: An article from: Best’s Review

Health, Fitness & Wellness Are Very Important To Seniors

If we are going to live to be 100 or more, then it is for damn sure that we want to be physically able to enjoy life when we get there. I am fond of the saying, children make choices but adults make decisions. If you are like most of us, you spent most of your life up til now, chasing the almighty buck and trying your best to take care of and provide for your family. If you had the time to take care of yourself, or even remembered to think about it, you were lucky. Now that you’re on the back side of 50, the short side of time, it’s time to do just that.

You want to keep on top of things, mainly your health. Also, exercise is very important. When you become a ‘Senior Citizen’, sitting around and watching the cars rust and the grass grow is actually ‘no where man’, and I mean Amen to that. Regular exercise keeps the heart healthy and keeps you focused.

You got to eat right man. Lay off the grease and the salt that have brought on some of ‘old timers’ life conditions already. Get a food chart for seniors and read it. Instead of fried, try boiled, broiled, or baked. Enjoy fruit instead of candy and remember the ‘No sugar added’ juices to keep glucose in check

Also, find a hobby and get out of the house on a regular basis. And by the way, there is nothing wrong with walking when you can instead of driving or riding. When I see those old fogies riding around the stores in those electric carts when there is nothing wrong with their legs I just want to throttle them. At an old age, the choice is either to wear out or to rust out. Your physical condition is expected to deteriorate a little at a senior age, but it would be better to go through it by being busy than rotting in bed. The simple exercise of walking can also lessen the amount of bodily toxins that may have accumulated. It also tunes and tones the muscles, especially the heart and bones.

A national survey of senior sexual attitudes, and behaviors in the United States has found that most people between 57 and 85 think that sex is an important part of life and that the frequency of sex, for those who are active, declines only slightly between the 50s and the 70s. The same survey also found sexual activity was closely tied to overall health, which was even more important than age.

If you have never been interested in herbal supplements or vitamins, you might be interested in knowing that the botanical kingdom offers a range of healing powers as well as breathtaking beauty. If you’re feeling a little puny or down in the dumps, you could try an anti-depressant like Prozac, or some form of psychotherapy, perhaps. But 7.5 million Americans who suffer from depression have chosen an extract made from a beautiful, bright yellow flower… St. John’s Wort.

Feverfew has been studied and found effective for the prevention of migraine headaches, reducing the number of headaches suffered by as much as 70 percent, or reducing the pain and controlling the nausea commonly experienced with such headaches.

Cleavers is a powerful and restorative herb for the lymphatic system; cleavers is beneficial in helping swollen glands, tonsillitis and adenoid problems. Internally and externally, it is effective in the treatment of inflammations including relieving skin conditions, rashes and burns.

Echinacea is a “preventative” herb. Not used in any modern commercial drugs today but it is heralded by many herbalists as one of the very best blood purifiers and an effective antibiotic. It is a broad based infection fighter, and it is considered an immune system stimulant which increases production of infection fighting T cells.

Coffee is America’s most popular herbal beverage; it combats drowsiness, temporarily boosts athletic performance, eases congestion due to colds and flu, prevents asthma attacks and enhances the pain-relieving effects of aspirin. Also, in a study, green and black tea appeared protective against fatty arterial plaque buildup.

Today, and for most of our lives, we have had a completely different outlook from the previous generations, we are more active, more demanding, and we have a longer life expectancy. Better known as ‘The Baby Boomers’. Now it is our turn to relax and enjoy the fruits of our labors.

About Author
The author has found a website that can help you with decisions Regarding your health and fitness. Remember, Mr. Spock says To live long and prosper. (Star Treck) The site is at; http://health-fitness-aging.blogspot.com/

Riders Available with Life Insurance for Seniors

Waiver-of-premium Rider with Life Insurance for Seniors

The waiver of premium rider is a popular option with term and whole life policies. It is relatively inexpensive (a few cents per $1000 of life insurance) and provides for the payment of your life insurance premium if you are totally disabled before age 60 for longer than six months. Most riders provide for the premiums being paid as long as you remain disabled.

Be sure to read carefully the insurance company’s definition of total disability. You want a rider that says your premiums will be paid if you cannot engage in the occupation for which you are trained and in which you are employed rather than in any type of employment. The broader definition of disability stipulates that you must be totally disabled and unable to work at all.

Guaranteed-Insurability Rider with Life Insurance for Seniors

The guaranteed-insurability option guarantees the insured will be able to renew term policies or purchase additional whole life or universal insurance at regular intervals without providing evidence of insurability up to a specified age limit. The main benefit of the guaranteed insurability option is that it allows the insured to keep life coverage in force or add to it even in the event of a health change that might render him or her uninsurable without the rider.

However, if you are already older than specified age limit then the rider won’t be of any benefit to you. You’ll be required to have a medical exam each time you wish to renew or increase your life insurance policy.

Accelerated Death Benefits Rider with Life Insurance for Seniors

The accelerated death benefits rider allows the insured to collect some or all of the life insurance proceeds while still alive if the insured is suffering from a terminal or catastrophic illness, or in some cases requires long-term care. The payout is discounted by the time value of the money and the face amount of the insurance and its cash value are reduced by the payout.

This option can provide much needed cash for medical or long-term care expenses if the insured needs it although the benefit of having the cash to cover these costs has to be balanced with the insured’s desire to provide a payout to beneficiaries on his or her death.

Long-term Care Rider with Life Insurance for Seniors

Long-term care riders provide the option of taking a payout to cover the costs of long-term care for seniors in a nursing home or other such facility, or, in some cases, home care. The payout can often be paid monthly, this is advantageous since stretching out the payout lessens the time-value discount, and provides more money for the insured.

If you are concerned about covering the costs of long-term care while still providing a benefit for your heirs you might want to balance the costs and benefits of a long-term care insurance policy in addition to your life insurance rather than a rider that allows you to use your life insurance to cover long-term care costs.

Evaluate Options Carefully

When determining which life insurance for seniors and which riders are right for your particular situation it is always advisable to seek the counsel of a trusted financial advisor.

About Author
Check out these sites when looking for more info on life insurance for seniors and long-term care for seniors.

Long-term Care Insurance For Seniors

To cover the potential of incurring the high cost of long-term care, many seniors consider purchasing long-term-care insurance. Long-term care insurance (LTC) is not cheap but it can be a lifesaver. A good place to start your research on long-term care insurance is by checking out the Consumer Reports analysis of the long-term-care insurance options and criteria for determining which policy choice is right for you.

What is long-term-care insurance for seniors?

Long-term-care insurance for seniors covers services for people who are unable to care for themselves because of a prolonged illness, a degenerative condition, a disability or Alzheimer’s or similar condition. Generally long-term care insurance will cover custodial or personal care at home or skilled nursing care or rehabilitation at home or in a nursing or assisted care facility.

Long-term-care insurance can cost between a few hundred dollars a year to over $10,000 a year, depending upon the type of coverage you purchase and your age and health at the time you purchase the insurance.

When should you buy long-term-care insurance for seniors?

Many insurance companies recommend purchasing a long-term-care insurance policy anytime after age 50. Consumer Reports suggest you wait until age 65 unless you have a chronic disease or history of illness in your family. After age 65, the long-term care premiums are higher, and, you run the risk of not passing the medical tests. Once you are diagnosed with a serious condition that may require long-term care, you will not be able to get a long-term-care insurance policy.

Who should purchase long-term-care insurance?

Anyone who is currently healthy and wants to protect assets and does not have sufficient saving to cover the costs of long-term care should consider the purchase of a long-term care insurance policy.

Once you purchase a policy the rate is typically locked in for the life of the policy and the policy is generally good as long as you pay the premiums.

What should I consider when selecting a long-term-care insurance policy?

Look for stable insurers that have been in long-term-care insurance business for a long time. Review the coverage the insurer offers carefully. Long-term care policies can have many exclusions and requirements that make it difficult to obtain the coverage when you place a claim. Some of the less expensive policies may cover nothing more than you are eligible for with Medicaid.

Some of the features you may want to consider include:

  • Look for a flexible policy that covers alternate plans of care including home based care not just skilled nursing home care.
  • Make sure there are no excluded conditions such as Alzheimer’s or Parkinson’s.
  • Determine the maximum amount the policy will pay per day and how that amount is calculated.
  • Determine the length of benefit period you can afford. The average nursing home stay is 2 1/2 years. You generally can select a benefit period of between 2 years and an unlimited number of years. The longer the benefit period the higher the premium you can expect to pay.
  • Choose how soon you want the payments to begin after you become eligible. Usually the waiting period is between zero and ninety days. The longer the waiting period the lower your premiums will be.
  • Consider adding an inflation adjustment to your policy. Inflation adjustments are expensive but nice to have if you can afford to add one to your policy.

How do I evaluate which insurance company to choose?

Because you may not need your long-term care policy until years after you purchase the policy the most important choice you will make is choosing a company that is stable and will be around to make good on the policy when you need the insurance. Look at the company’s financial strength and their rating with the major rating services.

About Author
Check out these sites for more information on Long-term-care insurance for seniors.

Home Health Care For Seniors in Northern USA

When considering in home care for seniors, one should remember to take a multitude of factors into consideration. Time, money and other resources are obvious considerations, however many people fail to think of less immediately obvious factors such as terrain and topography.

One city with arduous terrain is Pittsburgh, Pennsylvania. One important factor when thinking about in home care for seniors in Pittsburgh is topography. How well a senior can do at home is affected by the terrain and weather of Pittsburgh. Snowstorms, flash floods, mountains and steep hills all can affect the ability of caregivers to maintain a high standard of care. When considering health care options for seniors in a northern, hilly city like Pittsburgh, one should be sure to consider all factors.

Beyond the weather, topography and terrain, one should consider why home health care in Pittsburgh is needed. The city of Pittsburgh has a very large senior population. Much of that population performed hard labor such as working in steel mills and mining. Many years of hard manual labor can create health problems, which require in home care. In order to meet the health care needs of seniors, one must be sure to remember why it is they are requiring in home care.

Many seniors are unable to travel and care for themselves. In a city such as Pittsburgh with such unpredictable weather, in home care for seniors may very well be a necessity. While many seniors understandably want to maintain a measure of independence and control in their lives, the simple truth is that in home care for seniors in Pittsburgh is a reality that many need to face.

A large number of senior citizens live in the same home that they have lived in their entire lives. For this reason they are reluctant to leave and spend time in a hospital or nursing home. This is certainly true in many cities such as Pittsburgh, with close communities and neighborhoods and a strong sense of family. Seniors want to stay close to friends, families, churches, and their neighbors. When one has lived in the same home for 50 years or more, it is often emotionally difficult to leave to obtain necessary medical care. With the advanced state of today’s medical technology, recuperation form surgery, supervision of medications, and care for Alzheimer’s patients can all be done at home.

While it may be ideal for seniors to receive health care at a medical facility, it is often easier for the elderly to receive ongoing treatment and recovery at home. With many children being in the unfortunate position of having to provide care for their parents, in home health care can really be a very viable option. A child can arrange for a nurse to visit their parent in their home and provide the necessary medical care and supervision.

If a senior requires frequent or constant medical attention and care, it is often best for the medical provider to visit the home in order to provide care. In home health care for seniors in Pittsburgh is especially important because of the arduous terrain and often bad weather of the city. In addition, in home health care for seniors provides a definite benefit to children caring for their elderly parents.

About Author
The author of this article knows all about in home care for seniors in Pittsburgh. This article about home health care in Pittsburgh is an excellent example for his writing skills. He has written many other articles on home health care in Pittsburgh.

Social Widgets powered by AB-WebLog.com.