Author Information
Clay Cotton
Member since 15th September 2006
Displaying 1 to 15 (of 21 articles)
23rd July 2007
My Care Giving Angel..
It's been a few weeks since Cindy started coming over to spend time with Clay - to relieve me of my caregiving duties. She comes at least once a week. What a blessing! The long term care of any individual can be exhausting, at ti...
Views: 0
20th July 2007
We've all heard the horror stories about elderly people who can't take care of themselves moving into costly nursing homes and "outliving their money."'
As Americans live longer, more and more of us will need some sort of long-term care, and the insura...
Views: 0
16th June 2007
In April 2007, Senators Barack Obama and Hillary Clinton requested that our Government Accountability Office examine the long term care insurance industry's track-record for claims, premium increases and those increases' relation to LTCi policy lapses. Wi...
Views: 0
07th June 2007
Genworth is promoting it's new long term care insurance product, Cornerstone Advantage, as an affordable LTCi solution. In today's market, there is only one way for an insurance company to offer lower priced long term care insurance coverage - and this is...
Views: 0
06th June 2007
Conseco and Penn Treaty Long Term Care insurance companies must be biting their nails to the quick, as the House Committee on Energy and Commerce breathe down their necks and the General Accountability Office closes in.
Conseco hired a great ad agency....
Views: 0
24th April 2007
Retirement planning is an pretty emotional subject. Many folks people fear they are not saving enough. Others are confused about investment options or they're unsure if their savings are being invested aggressively enough. Still others may be investing an...
Views: 0
12th March 2007
"Know Thyself and Thy Situation" is a financial planning rule that applies to accounting for financial events that you absolutely know are going to happen and events that have a probability of happening. We're talking about both expenses that can and shou...
Views: 0
15th February 2007
Everybody envisions the golden years as a time to relax away from the stresses and strains of working life, but for for many baby boomers it may be a far different picture.
The majority of boomers' health is better than is their financial health. Many...
Views: 0
01st February 2007
A contract is a contract, and a long term care insurance company has the right and responsibility to follow it's policy's wording to the letter. Buyers BEWARE! Companies can "interpret" vague wording in their favor. So, it's a very good idea to enlist ...
Views: 7
01st February 2007
Long term care insurance coverage simply MUST be considered by everybody who can medically qualify for this important coverage.
Why? For starters here are 10 good reasons:
1. The odds: The odds of your needing long term care are overwhelming: The od...
Views: 5
17th January 2007
First, what is Medicaid?..........
Well, Medicaid is a Federal medical bills assistance program that pays medical bills for eligible, needy persons. It is administered by each state. All payments are made directly to the providers of medical and other ...
Views: 9
16th January 2007
When long term care insurance was first conceived and offered, back in the 1980's, most LTCi premium rates were much lower than today's policies. Why have they increased so much and why are long term care insurance companies raising premiums on existing ...
Views: 13
15th January 2007
Every insurance policy is a legal contract. Once agreed upon by both parties, a long term care insurance company must uphold their contract to the letter, or risk lawsuits and regulatory prosecution. Each policy is crafted with utmost care using the pro...
Views: 7
14th January 2007
Hey - If I had known that official government policy toward caring for elderly parents was that their children would have to do it all, well I would have had 10 kids.
While it's said that those in the developing world have numerous children with the ho...
Views: 14
13th January 2007
Baby boomers are a different breed from previous generations, and they demand different choices for retirement. Forty years and a gold watch won't work on a me-first, go-for-it crowd of free thinkers weaned on social change, pot and LSD. So what choices ...
Views: 14
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