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The Complete Idiot's Guide to Long-Term Care Planning

Book Description

The basic motivators will drive people to want to learn more about this topic -- fear, money, and insecurity.-- Consumers fear losing their life savings to LTC costs. Yet, they hesitate to buy insurance with an annual premium of $1,800 without knowing what it covers.-- In October of 2002 (one month after this book's release), the federal government will be rolling out a payroll deduction plan whereby all government employees and retirees (approximately 18 million people) will have the same opportunity to save for their long-term care needs as they currently have for their 401(k).

Table of Contents

  1. Title Page
  2. Dedication
  3. Copyright Page
  4. Foreword
  5. Introduction
  6. Part 1 - The Truth About LTC
    1. Chapter 1 - Why You Should Care About LTC Planning
    2. Chapter 2 - Where Do You Want to Live When You Grow Up?
    3. Chapter 3 - What You Must Know About Nursing Homes
    4. Chapter 4 - Putting Together an LTC Game Plan
  7. Part 2 - Paying with Your Own Money
    1. Chapter 5 - Home Equity Conversion/ Reverse Mortgages
    2. Chapter 6 - Annuities for the Sick and Healthy
    3. Chapter 7 - “Thar’s Gold in That Thar Life Insurance”
    4. Chapter 8 - Do You Take Personal Checks?
  8. Part 3 - Government Programs
    1. Chapter 9 - Veterans’ Benefits
    2. Chapter 10 - Medicare and Medicare Supplements
    3. Chapter 11 - Social Security and Medicaid
    4. Chapter 12 - Government Incentives to Buy LTC Insurance
  9. Part 4 - The Truth About LTC Insurance
    1. Chapter 13 - LTC Insurance—Is It Right for You?
    2. Chapter 14 - Workplace and Association LTC Insurance
    3. Chapter 15 - The Federal Government’s LTC Insurance Plan
    4. Chapter 16 - Choosing an Insurance Agent
    5. Chapter 17 - The Top Five Problems with LTC Insurance
  10. Part 5 - A Buyer’s Guide to LTC Insurance
    1. Chapter 18 - Comparing Apples to Oranges
    2. Chapter 19 - Understanding the Structure of Your Insurance Policy
    3. Chapter 20 - Designing an LTC Insurance Plan
  11. Part 6 - The Truth About Medicaid
    1. Chapter 21 - What Is Medicaid?
    2. Chapter 22 - When Medicaid Planning Makes Sense
    3. Chapter 23 - Medicaid-Planning Techniques
    4. Chapter 24 - The Top Five Problems with Medicaid Planning
  12. Appendix A - State Insurance Departments
  13. Appendix B - State Medicaid Offices
  14. Appendix C - State Executive Offices of Elder Affairs
  15. Appendix D - Nursing Home and Home Health-Care Costs
  16. Appendix E - Resources
  17. Appendix F - Glossary
  18. Index