http://www.braininjuryattorneysinfo.com Know Your Rights Fri, 07 Aug 2009 20:18:11 +0000 http://backend.userland.com/rss092 en People are often confused with Medicaid for Medicare, which is another government sponsored program. However, these programs are very different in what they are designed to do. Medicare is actually the national health care assistance program given by the federal government. Its function is to make sure that affordable home ... http://www.braininjuryattorneysinfo.com/ltci-facts-what-medicaid-pays-for-long-term-care We all love a good news once in a while! Recently, the legislature in New Jersey recently passed a new law that will offer seniors on Medicaid more long-term care options. By 2008, senior citizens living in New Jersey will have a choice in the type of long-term care they ... http://www.braininjuryattorneysinfo.com/new-jersey-law-provides-more-long-term-care-choices More and more companies are beginning to offer long-term care insurance (LTCI) to their employees as part of an overall health care benefits package. And since buying group medical insurance is usually a way to get lower insurance rates, most people automatically assume that the same is true with LTCI ... http://www.braininjuryattorneysinfo.com/which-is-better-individual-long-term-care-insurance-or-group-plans Most individuals are aware of the gaps within the original Medicare plan. For one, there's no "stop loss" feature. Other long term care insurance policies will pay 100 percent toward certain medical services after you meet your deductible, for example, you might have to pay $1,500 per year before your ... http://www.braininjuryattorneysinfo.com/ltci-basics-open-enrollment-for-medicare-advantage-plan Private insurance companies sell LTCI policies to offset the costs of long-term care. LTCI, like all insurance policies, need premiums in order to help recipients avoid paying huge amounts later on in the event of an illness or a catastrophic event. Also take note that the premiums are based on ... http://www.braininjuryattorneysinfo.com/long-term-care-insurance-ltci-basics If affordability is one of the concerns keeping you from investing in a LTCI policy, consider the tax benefits that go along with LTCI. It would be wonderful to be able to say that Congress has allowed all LTCI policyholders to deduct the full premium on their taxes. However, our ... http://www.braininjuryattorneysinfo.com/tax-benefits-for-long-term-care-insurance-what-you-qualify-for In previous blog articles I have discussed the long-term care insurance partnership program that almost two thirds of the states is in the process of getting approved and put into place. This program is designed to encourage the purchase of LTCI by consumers so that the state can reduce its ... http://www.braininjuryattorneysinfo.com/how-to-identify-a-partnership-qualified-long-term-care-insurance-policy On Monday, the New York Times ran a great story about Medicare Advantage Plans.. Medicare Advantage Plans are a type of health plan sold by private insurance companies. The plans are associated with Medicare.  It seems that seniors across the country have been fooled into signing away their Medicare benefits ... http://www.braininjuryattorneysinfo.com/warning-to-medicare-advantage-plan-buyers Private insurance companies usually sells LTCI policies to offset the costs of long term care. LTCI, like all insurance policies, requires premiums to help recipients avoid paying large sums later on in the event of an illness or a catastrophic event. Premiums are based on the individual's age by the ... http://www.braininjuryattorneysinfo.com/long-term-care-insurance-ltci-explained In a recent survey conducted by AARP, the findings showed that there is a clear disconnect between what most people think long-term care costs and the actual cost of care itself. In fact, after a getting a reply from 1,456 people over the age of 45 in the surveys, only ... http://www.braininjuryattorneysinfo.com/preparing-for-the-high-cost-of-long-term-care