Jim Nantz’s best call? Finding his calling as a voice for Alzheimer’s

Jim nantz CBS picCBS Sport’s Jim Nantz talks about being an advocate for those families dealing with a loved one with Alzheimer’s in support of the national “Let’s Talk” campaign. This campaign promotes the idea of needing to discuss the need for planning for Long Term Health Care which will impact 70% of us who reach the age of 65. Planning becomes an important part of your future retirement plan. Long Term Care Insurance is an affordable way to address the physical, emotional and financial burdens Long Term Health Care has on loved ones.

Click here to see the article.

Many people want to protect their 401k’s and IRA’s and be sure they have enough money for a comfortable retirement. Knowing the costs for Long Term Health Care are usually not included in retirement savings, having an affordable way to address this issue makes sense.

Affordable Long Term Care Insurance can provide asset protect and in most states dollar for dollar asset protection for your estate. This way you can have peace-of-mind knowing you will never be a burden to a spouse or children or other loved ones. Learn more about how affordable Long Term Care Insurance can be … contact me now.

Matt McCann – toll free – 866-751-7957 or email – matt@mccannltc.net.

If you want to get free quotes from all the top companies just click here.

#longtermcare   #letstalk   #JimNantz   #alzheimers

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Long Term Care Insurance Claims Over $7.5 Billion in 2014 According to Report

Total long term care insurance benefit payments increased by five percent from $7.5 Billion paid the prior year according to a report published by the American Association for Long Term Care Insurance, a national trade group.

Feb 24, 2015 … The American Association for Long Term Care Insurance (AALTCI) announced in press reports today that the nation’s Long Term Care Insurance companies paid a record $7.85 billion in claim benefits in 2014 according to a just-released report.

“Total Long Term Care insurance benefit payments increased by five percent from $7.5 Billion paid the prior year,” reports Jesse Slome, director of the AALTCI, the national trade group. The organization reported that insurers paid $6.6 billion in 2012.

“More and more people have Long Term Care Insurance policies and more people are using the benefits from these plans. Long Term Care Insurance has become an important way for people to protect their retirements and these numbers show this fact. This is why affordable Long Term Care Insurance has become an important part of a family’s retirement plan, “said Matt McCann, a nationally recognized specialist in Long Term Health Care.

“Americans are living longer and the consequence is more people needing Long Term Care,” Slome explains. “Contrary to what most people think, the vast majority of Long Term Care insurance pays for care in the home or in assisted living communities, not in skilled nursing homes,” Slome said

Slome added that according to AALTCI research, half of all newly opened Long Term Care insurance claims paid for care in the home.

“Consider Long Term Care as nursing home avoidance protection,” Slome said.

McCann says these numbers reflect the need to have a plan which addresses the physical, emotional and financial burdens Long Term Health Care places on loved ones. He notes that some people think health insurance or Medicare (which is health insurance for those 65 and older) will pay for this type of care. McCann notes that this is not the case.

“Today’s adult, who is trying to save money for their own retirement in their 401k’s and IRA’s, is seeing how their older parents are being impacted by the expenses of Long Term Care. Generally, health insurance and Medicare pay only a handful of days of skilled care. Most Long Term Health Care is custodial in nature, not skilled. This means a majority of the cost comes out-of-pocket unless you have a Long Term Care insurance policy,” McCann explained.

“People underestimate life expectancy,” Slome declares, “Few adults in their 50s or 60s are prepared for the financial consequences of their longevity. Longevity planning is especially important today for both married couples as well as single men and women.”

“You really can’t start your retirement savings plan at age 60 and you can’t start your long-term care planning after age 70 because you won’t have as many options,” Slome advises.

He points out that insurance companies today will take a close look at your health history prior to offering you coverage.

“The guarantee of insurance that we hear about with health care coverage (“Obamacare”) does not pertain to Long Term Care insurance,” Slome points out.

McCann suggests planning should happen well before you are age 65.

“Most of the people I speak with are 45 to 65 years-old. They discover that Long Term Care Insurance is very affordable especially if they work with a true specialist who understands how these plans work and get used at the time of claim.  This is part of their retirement plan so they can protect their 401k’s, IRA’s and other assets, “McCann said.

McCann notes the US Department of Health and Human Services says that if you reach the age of 65 you will have a 70% chance of requiring some form of Long Term Health Care before you pass.

Consumers can research available options by going to the AALTCI website at www.alltci.org or McCann’s website at www.mccannltc.com

Matt McCann is recognized as a leading Long Term Health Care (LTC) specialist. Since 1998, Matt has been a national leader in finding solutions for the physical, emotional and financial burdens LTC places on American Families. He has been recognized by the American Association for Long Term Care Insurance as one of the top specialists in the country.

Matt Omaha TV edit 2015

#longtermcare #retirement #AALTCI

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So What Do I Look Like When I Am With A Client?

Yesterday my clients wanted to see a real time photo of me as I was meeting with them … so I took this selfie as I was listening to what they were saying.

Matt doing webinar pic

I help people throughout the country plan for the physical, emotional and financial burdens Long Term Health Care can have on your loved ones. How I do it is unique. Using a safe screen sharing program, you just click a link on my website and you then can see my computer as we talk on the telephone.

No more strangers coming to your home … no more cleaning the house and having to stay dressed … all you do is sit on the phone in front of your computer and learn your options with a no pressure conversation. It also means I don’t have to get all dressed up either … and it allows me to help people from all over the country.

This way of meeting allows you to have the chance to think about your options so you can decide how to properly plan. Long Term Care Insurance is an affordable way to address the issue and should be part of most people’s retirement plan. Generally, I help people ages 40 to 68 … the younger you are the more affordable it is … and it is your current age and health that determines your insurability and cost.

Since I represent all the top insurance companies I can help you determine if Long Term Care Insurance is suitable for you, tell you if you health qualify and then design an affordable plan and help you shop for the best coverage at the best value.

Get more information by going to my website: www.mccannltc.com

#‎longtermcare‬ ‪#‎retirement‬

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Can signs of Alzheimer’s show up as early as mid 50’s? The answer: YES

Yes, it’s possible to develop Alzheimer’s in one’s fifties. As many as a half million people have what is called early-onset Alzheimer’s, which develops any time before age 65, sometimes in the 40s and 50s. This is one of many reasons why affordable Long Term Care Insurance has become an important key to retirement planning. Most people need to protect the money in their 401k’s and IRA’s … but a huge risk to your savings and assets is the cost of Long Term Health Care.

See this article from Careing.com by clicking on this link.

These costs are not paid by health insurance or Medicare (outside of 100 days of skilled care). Which account would you have to liquidate to pay for care? How would that impact your lifestyle not only today when you are younger … but when you are older and retired?

The need for Long Term Health Care can and does happen at ALL ages. People require care due to illness, accidents or the impact of aging. Planning is very affordable if you work with a specialist who understand these plans, how they work and are underwritten and can design the correct plan and shop all the top companies to discover the best coverage at the best value. Get free quotes from all the top companies and protect your future retirement now. Go to: www.radioltc.com .

If you wish to learn more about the top of Long Term Health Care Planning you can go to either the American Association for Long Term Care Insurance (AALTCI) at www.alltci.org or from my website: www.mccannltc.com

More information on early onset Alzheimer’s can be found on the Mayo Clinic website, just click here.  

brain MRI

#longtermcare   #alzheimers   #retirement   #401k

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Alzheimer’s Strikes Women Harder Than Men: Report

Alzheimer’s Strikes Women Harder Than Men: Report

  … and those over 60 twice as likely to get the brain disease than breast cancer!

This article first appeared in HealthDay in March 2014 and written by their reporter Robert Preidt. Notes from me appear in italics in the story.

A 65-year-old American woman has a 1 in 6 chance of developing Alzheimer’s disease later in life, while a man the same age has about a 1 in 11 chance. That’s one of the key findings of a new report that highlights the heavy toll that Alzheimer’s takes on women as both patients and caregivers.

Women in their 60s are also twice as likely to develop Alzheimer’s than breast cancer, according to the report — “2014 Alzheimer’s Disease Facts and Figures” — from the Alzheimer’s Association.

The report also found that there are 2.5 times more women than men providing 24-hour care for a loved one with Alzheimer’s. Women caregivers are also more likely than men to switch from full-time to part-time work (20 percent versus 3 percent), more likely to take a leave of absence (18 percent versus 11 percent), and to stop working (11 percent versus 5 percent) to meet the needs of a loved one with the disease.

“Women are the epicenter of Alzheimer’s disease, representing [the] majority of both people with the disease and Alzheimer’s caregivers,” Angela Geiger, chief strategy officer of the Alzheimer’s Association, said in a prepared statement from the group.

Of the more than 5 million Americans with Alzheimer’s, 3.2 million are women, according to the report.

“I see this with Long Term Care Insurance claims. The impact on women, either being the caregiver for a husband or partner or being the person being cared for, is huge for families. Many times, by the time a women requires care, the spouse is either unable to help or no longer living,” said Matt McCann, Long Term Health Care Specialist.

McCann adds that many times with Long Term Care Insurance in place an adult daughter becomes the caregiver for mom. This is what is referred to in the media as the “Sandwich Generation”. This means, usually a woman, is the wife, mom and caregiver all at the same time. Many times this woman must leave their job and it creates a huge financial as well as physical and emotional burden on them, McCann added.

The total health care cost of Alzheimer’s and other dementias is expected to hit $214 billion this year in the United States. The charge to Medicare and Medicaid will be $150 billion, and Medicare will spend nearly $1 in every $5 on patients with Alzheimer’s or other dementias, the report said.

That $214 billion figure doesn’t include the unpaid caregiving provided by family and friends, which is valued at more than $220 billion, according to the report. Currently, 15.5 million caregivers provide 17.7 billion hours of unpaid care and many suffer their own health problems as a result.

The physical and emotional demands of providing care led to about $9.3 billion in increased health care costs for Alzheimer’s caregivers in 2013, the report said.

The American Association for Long Term Care Insurance said that in 2013 just the top 10 insurance companies in Long Term Care Insurance paid over $20.5 million a day in claims.

The impact of Alzheimer’s is likely to increase as baby boomers age. If current trends continue, as many as 16 million Americans could have Alzheimer’s by 2050 at a cost of $1.2 trillion (in current dollars) to the nation. That includes a 500 percent rise in Medicare and Medicaid spending and a 400 percent increase in out-of-pocket spending, the report predicted.

Even though Alzheimer’s disease is the sixth-leading cause of death in the United States, many people still don’t understand it. For example, 24 percent of Americans mistakenly believe they’re only at risk for Alzheimer’s if it runs in their family.

“Despite being the nation’s biggest health threat, Alzheimer’s disease is still largely misunderstood. Everyone with a brain — male or female, family history or not — is at risk for Alzheimer’s,” Geiger said.

“Age is the greatest risk factor for Alzheimer’s, and America is aging. As a nation, we must band together to protect our greatest asset, our brains,” she added.

The US Department of Health and Human Services reports that if you reach the age of 65 you have a 70% chance of requiring some type of Long Term Health Care before you pass. Long Term Care Insurance is an affordable way to address this issue. Most people start planning in their 40’s and 50’s when your health is still good and premiums are very affordable. Premiums are based, in part, by your age and health at the time of application and they are intended to remain level.

Discover how your retirement plan should include affordable Long Term Care Insurance. Click here to get your free quotes from all the top companies and find out how these plans work.

Famous TV Doctor Oz says, “Soon there will be two kinds of people in the world People that have Alzheimer’s and people that know some who has Alzheimer’s.

The report appears in the March issue of Alzheimer’s & Dementia: The Journal of the Alzheimer’s Association.

dr oz

#Alzheimers #Longtermcare #retirement #droz

www.mccannltc.com / free quotes at: www.radioltc.com

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Glen Campbell song captures his life with Alzheimer’s

A sad story about Glen Campbell and his life with Alzheimer’s. It is also a wake-up call as to why planning for Long Term Health Care is important and a real risk to all of us.

Glen Campbell pic

Affordable Long Term Care Insurance can be an easy way to plan for the physical, emotional and financial burdens Long Term Care can have on loved ones.

Click here to read the story about Glen Campbell.

Most people start looking to do their planning in their 40’s and 50’s as part of their overall retirement plan. We save money in our 401k’s, 403b’s, IRA’s and SEP’s but unless we plan for the expenses that Long Term Health Care can cause all that saving disappears.

Premiums for Long Term Care Insurance are based on AGE and HEALTH at the time of application. The other factor that goes into premiums are the total amount of benefits that are applied for in your application.

Sometimes people think waiting until they are 60 or 65 makes sense. The answer is no … this is not a smart idea and will, at least, cost you more money. Premiums are based at the age you get the plan in place and premiums are intended to remain level even with an inflation rider attached to the plan. So a 48 year-old rate is much lower than a 65 year-old rate. Even though a 48 year-old may pay more years than the 65 year-old would … the 48 year-old will pay less over the life of the policy.

The other issue is health. As you can guess, you are much more healthy when you are younger. Some conditions could prevent you from getting the lowest rate … it could even prevent you from being able to get a plan in place. It is your good health TODAY that gives you the opportunity to plan.

The best thing to do is LEARN your options. Educate yourself about how plans work and if your state offers a PARTNERSHIP program. Partnership Long Term Care insurance plans provide dollar for dollar asset protection.

A Long Term Care Specialist, like myself, can help educate you on how these plans work, how they get used at the time of claim, and how your health insurance and later Medicare will work. Then, after learning about your health and retirement plans, you can get recommendations based on experience and knowledge. Someone, like myself, can show you options from all the top insurance companies. This gives you something specific to think about. Generally, a typical insurance agent or financial advisor will not have the experience to provide you with qualified recommendations.

You can learn more from the American Association for Long Term Care Insurance (AALTCI). Their website is www.aaltci.org. My website also includes outstanding information so you can start learning about your planning options. My website is www.mccannltc.com.

If you need quotes from all the top insurance companies just go to www.radioltc.com. The bottom line is you should have an affordable plan to address the physical, emotional and financial burdens Long Term Health Care can have on loved ones.

#longtermcare #retirement #401k

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To Collect Debts, Nursing Homes Are Seizing Control Over Patients

This article from the New York Times shows yet another reason why you should plan for Long Term Health Care with your other retirement planning … well before you get older and your health starts changing. Plus, Long Term Care Insurance plans will pay for care in your own home or assisted living so you can perhaps avoid a nursing home. Get free quotes from all the top companies on affordable Long Term Care Insurance at www.radioltc.com.

I am sure you don’t have money in your 401k’s, IRA’s and other savings only for a nursing home to take control over it. Besides, who really wants to be in a nursing home to start with?

Learn how you can plan for the physical, emotional and financial burdens (including loss of independence as the article noted) by learning about affordable Long Term Care Insurance. Visit www.mccannltc.com for more information so you can start planning now.

Read the article by clicking here.

#longtermcare   #retirement

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