Audi-News » Austin Bryant Authentic Jersey

With Nursing home Cost's running $4 Jahlani Tavai Lions Jersey ,000 to $6,000 a month and outpacing inflation, it is a small wonder that most seniors cannot afford the Long term Care insurance premiums. Their are low cost Alternatives available for seniors who just can't afford the rising cost of these Premiums.

Many Seniors even question if they need Long Term Care Insurance. Take a look at the Stats and decide for yourself.

Long Term Care by the Numbers In the year 2010 about 12 million older Americans may need long term care

A Study by the U.S. Department of Health and human Services predicts that 40% of all Americans over the age of 65 will need Nursing home care

22% of all Americans over the Age of 85 are in a nursing Home

According to the US Government 40% of the People Currently receiving Long Term Care Services are between 18 and 64.

Many older People are under the belief that Medicare and Medicaid will cover the cost of Long Term Care. Every State has their own rules about what income and net worth requirements will qualify you for Long Term Care assistance. Here are some qualification rules in use by the State of Missouri as published in the Consumer Guide for seniors from the official Web page for the State ( ) (For other States check the web page and then search on insurance and long term care)

In the State of Missouri Medicare Pays Long Term Care as follows First 20 Days Medicare will pay all

For the Next 80 Medicare and the Senior Split the Cost based on some Formulas

Beginning on the 101st Day you are responsible for all Long Term care Costs.

What About Medicaid? Here are some Rules in place in the State of Missouri. A Single person has to spend down their assets to under $1 T.J. Hockenson Lions Jersey ,000 before Medicaid will pay.

A Married couple would have to spend down 12 of their assets or more. According to the following rules A Spouse may keep between $13,740 and 68,700. So if a Couple only has $13 Kenny Golladay Lions Jersey ,740 the Spouse gets to keep it all and Medicaid will pay the long Term Care Costs. But if a couple has $500,000 in Assets the Spouse only gets to keep $68,700 before Medicaid will Pay.

Certain Assets are Exempt from the Spend Day requirement and it is strongly advised if you have significant assets that you contact a Financial Advisor or attorney Jarrad Davis Lions Jersey , who specializes in asset protection for seniors in your State.

Now that you have the Facts the Question is how do you protect yourself at a reasonable cost. Many Insurance companies offer Annuities and Equity Indexed Annuities with a Nursing Home Benefit. These Annuities would allow you to take your Annuity over a Span of 5 Years to help pay for your long term Care Expenses. In Addition to the long term care benefit these annuities offer Tax Growth, Up to 10% Bonuses for the first 5 years and many other Benefits.

If you are a Senior concerned about the High Cost of Long term Care but really cannot afford the High cost of Long term Care Insurance Premiums then Annuities with a Long Term Care Rider may just be the solution you seek.


The ideal stepping stone from the city of Cape Town to the malaria-free safari area in the Eastern Cape Marvin Jones Jr Lions Jersey , Garden Route has so much to offer the travelers. Below listed are a few exciting things to do during your Garden Route tour in South Africa.


Hike the Robberg Nature Reserve:


Placed next to the peninsula just eight kilometers away from Plettenberg Bay, the Robberg Nature Reserve is considered as the most recognized hiking zone in Cape Town. Travelers can move along the shore on one of 3 spherical trails that take almost four hours to complete. Stunning views & exceptional natural scenery await as you step into the nature reserve to explore this splendid piece of Africa. If you are fortunate enough you may even witness seals or whales playing in the surf as they hike down the coastline.


Enjoy Dolphin & Whale Watching:


The water along the shoreline of the Garden Route are well-known for being ideal locations for dolphin and whale watching. Spend some time witnessing the waves from the land, or go for a marine safari where passionate guides will escort you in hunt of these incredible being of the ocean. There are both land-based and boat-based whale watching tours available.


Explore Knysna Elephant Park:


If you are an animal lover Barry Sanders Lions Jersey , then visiting the Knysna Elephant Park is your best bet where you can relish an exceptional wildlife experience with a group of rehabilitated elephants. Under the meticulous supervision of seasoned handlers, travelers can walk with the elephants, feed and ride them and also interact with these monstrous pachyderms. Operating for over 20 years Austin Bryant Authentic Jersey , Knysna Elephant Park was the 1st asylum in South Africa to house orphaned African elephants. For wildlife lovers, this is a must-do.