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Term Care Needs Demand Your Attention Now
The trend lines for the nation's longterm care needs are becoming distressingly clear. As a society, we are running out of both the financial and human resources to provide adequate care to our oldest and often most frail citizens. From an individual perspective, the bill for longterm care will become an increasing financial burden. People as young as their 40s ought to raise their retirement savings rate now to prepare for their later years.
[See The 10 Most Affordable Cities for LongTerm Care.]
If you are fortunate enough to reach the age of 65, the odds are 70 percent that you will need some form of longterm care during your remaining years. The duration and severity of care needs vary widely, of course, but on average, you'll need care for three years and it may cost you a boatload.
Long term services and supports (LTSS) accounted for one in every seven healthcare dollars in 2009 $295 billion out of the nation's $2.1 trillion healthcare tab, according to a Congressional Research Service summary. Of this $295 billion, the direct government portion was nearly $210 billion: $127 billion for Medicaid, $63 billion for Medicare, and $20 billion on other public programs. Private spending was about $85 billion, including $52 billion for outofpocket spending, $17 billion by private longterm care insurance, and $16 billion in other private funds.
The bulk of the nation's longterm care bill is in the form of uncompensated care, mostly by family members. Nearly 62 million Americans provided some care in 2009, according to a report from the SCAN Foundation. "The estimated economic value of their unpaid contributions was approximately $450 billion in 2009," Foundation president Bruce Chernof said in testimony for a hearing on LTSS costs called by the Senate Special Committee on Aging.
The rapid growth rate of older populations is colliding with growing fiscal problems in Washington. Medicare faces growing funding shortfalls. Medicaid, a federalstate partnership, is seeing growing pressure at the federal level to shift some spending to the states. They are, not surprisingly, paring back Medicaid benefits themselves to control their own budget deficits.
[See 50 Best Funds for the Everyday Investor.]
In theory, this would raise demand for unpaid caregivers, and perhaps somehow we could squeak by. But possibly the most troubling projection of the experts is that the supply of unpaid care will inevitably fall, not rise. "Demographic changes will reduce the supply of informal care," Douglas HoltzEaton, former director of the Congressional Budget Office, testified to the committee. "Smaller families, lower fertility rates, and increasing divorce rates may make donated LTC services less common in the future." This drop in the family "labor" pool for LTSS will be made still larger by more and more women joining the paid labor force, he added.
We will somehow need to spend more money on LTSS expenses, as individuals, taxpayers, or both. But the more immediate need, experts say, is to get through to Americans that they need to pay attention to these future expenses. Many people incorrectly assume their LTSS needs are already covered by Medicare (they're not) or that they can just use Medicaid (they can, but only after spending virtually all of their personal wealth first.)
"Adults are largely unaware of their future LTC needs and do not adequately prepare for them," HoltzEaton testified. "They are also surprised to find out just how expensive it is." Nursing homes average $80,000 and can be twice that amount in highcost markets. Even unskilled home care help is approaching a national average of $20 an hour. News Mutual Fund Score.]
Meanwhile, private longterm care insurance has been struggling. Sales continue to be small despite rising numbers of aging consumers. Some insurers have stopped writing new policies altogether. If there is to be a more meaningful role for private insurance, it may have to come at the expense of Medicaid benefits.
Medicaid's "worst case" role nursing home slots to those who can't afford other care widely cited as a deterrent to private insurance,[url=http://www.onitsukatiger.com.sg]onitsuka tiger[/url], which can be expensive and subject to possible future premium increases. Most states have approved private LTC "partnership" policies that allow owners of private policies to shield substantial private assets from Medicaid provisions should they exhaust their private insurance benefits and need to use Medicaid. Other efforts are underway to make private coverage more appealing by combining it with retirement investments such as annuities.
The health reform law also tried to address the LTSS problem by creating a new employeefunded insurance program called the Community Living Assistance Services and Supports program (CLASS Act). Employees would voluntarily sign up and put funds into a CLASS account. They would later be eligible for a modest level of payments to help defray their oldage LTSS costs. As critics widely forecast at the time it was enacted, CLASS was based on unrealistic projections of how many people would want to participate and whether its premium levels would ever support a viable program. CLASS has since been put on hold and is considered unlikely to be revived without significant changes.
Lack of education on LTC policies I blame on insurance companies and their agents. That is why a 58 year old man is under the impression that premiums are that high at his age and that he is unaware of other features that should be part of the plan to incorporate inflation and tax qualifies benefits as well as previously mentioned state partnership plans. People have justified why not to pay premiums for LTC insurance but pay higher premiums for health insurance just in case they get sick. Reality is LONG TERM CARE is not just going to nursing homes and when you are on your death bed, in fact there is a large number of younger people that end up needing care due to accidents and/or unforseeable health events. It's time that more awareness and education is provided before its to late for many people in the future.
Why should I pay $2400 in premiums a year for 26 years from age 58 say, the average age of entering a nursing home is 84. The nursing home I called told me for housing and no extra medical expenses, the monthly cost in NJ is $9,843 a month. Now my $2400 a year premium pays $200 a day or $6,000 a month. After paying $2400 a year for 26 years I would still be stuck with at least if I require no extra medical attention,$3,843 out of my pocket each and every month. Why should I pay premiums so I can subsidize the state and delay the State of NJ from taking my assets. IF I WERE FISCALLY IRRESPONSIBLE AND BUY A HOME I COULDN'T AFFORD, COACH BAGS AND EXPENSIVE VACATIONS AND NAIL WRAPS THEY WOULD PAY FOR EVERYTHING WHEN I SHOWED UP PENNILESS. THE FISCALLY RESPONSIBLE ALWAYS GET SCREWED.
Now that 40 states have "LTC Partnership programs" you do not have to buy an expensive "unlimited" longterm care insurance policy. You only need to buy an amount of longterm care insurance equal to the amount of assets you want to protect for yourself, your spouse or partner, and/or your heirs.

qwirudida · Wysłany: Sob 17:12, 08 Mar 2014 Temat postu:

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Officers in Langzhong City, in southwest China’s Sichuan Province, killed the animal on Tuesday afternoon, after receiving reports that it could have rabies.
In the face of criticism, police said they acted to protect the public, but promised to improve the way they dealt with such situations.
It was reported that two police officers with a spade and fork bludgeoned to death the dog, which was on a lead with its owner. The homeless man is said to have sat silently while his pet was killed.
A witness, surnamed Wang, said the homeless man didn’t answer police when they asked where he came from and where he had obtained the dog.

qwirudida · Wysłany: Pon 4:58, 10 Mar 2014 Temat postu:

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China has made remarkable progress to improve its legislative work over the past year, by focusing on improving the quality of the country's legislation, China's top legislator said on Sunday.
According to Zhang Dejiang, chairman of the National People's Congress (NPC) Standing Committee, the Standing Committee took new steps in the work of the NPC, and ensured that its work got off to a good start.
In total, 15 bills and draft decisions on legal issues were deliberated by the NPC Standing Committee, of which ten of them were passed, 21 laws were revised and two were enacted, Zhang said.

qwirudida · Wysłany: Wto 21:53, 25 Mar 2014 Temat postu:

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Chinese President Xi Jinping met with Dutch King Willem-Alexander here on Saturday, vowing to further develop ties between the two countries.
Xi arrived here early Saturday for a state visit to the Netherlands, the first one ever made by a Chinese president to the western European country since the establishment of diplomatic ties between the two nations.
King Willem-Alexander spoke highly of the relations between the Netherlands and China. He said the Dutch royal family had friendly exchanges with China over a long period and his mother Beatrix had paid multiple visits to China when she was the queen.
He said the Netherlands is willing to be a good partner of China, and expects bilateral practical cooperation and cultural exchanges to be strengthened. The King believed Xi's visit will further boost Netherlands-China relations.

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Signed as Obama arrived in Manila, the Enhanced Defense Cooperation Agreement will give American forces temporary access to selected military camps and allow them to preposition fighter jets and ships. Although the deal is being perceived as a U.S. effort to counter Chinese presence in the region, Obama said his message to Beijing is that America wants to partner with China in upholding international law.

"Our goal is not to counter China. Our goal is not to contain China. Our goal is to make sure international rules and norms are respected and that includes in the area of international disputes," Obama said at a news conference with Philippine President Benigno Aquino III at the Malacanang Palace.
Obama's overnight visit to the Philippines is the last stop on a weeklong Asia tour that also included Japan, South Korea and Malaysia. At each stop along his tour, Obama reaffirmed the U.S. treaty commitments to defend its Asian allies, including in their territorial disputes with China. He said in Manila that the U.S. takes no specific position on those disputes, but believes China should resolve disputes with its neighbors the same way the U.S. does — through dialogue.