LTC News Contributor James Kelly

James Kelly

LTC News author focusing on long-term care and aging.

LTC News contributor since August 21st, 2017

About James Kelly

An LTC News author focusing on long-term care and aging.

Popular Articles

IRS 2017 Tax Deduction Schedule for LTC Insurance

IRS 2017 Tax Deduction Schedule for LTC Insurance

Individuals and businesses can take advantage of special tax treatment of Long-Term Care Insurance policies. This makes it even more affordable to safeguard future retirement income & assets from high costs of extended care.

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04-11-2019

Latest Articles

Tips on Finding Quality Home Care

Tips on Finding Quality Home Care

Most people when they need long-term care services want to stay home. Most Long-Term Care Insurance claims start with care at home. These tips will help find quality care for your loved one.

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11-10-2019
Long-Term Care Insurance Premiums Can Vary 100%

Long-Term Care Insurance Premiums Can Vary 100%

A study shows Long-Term Care Insurance premiums can vary as much as 100% or more from one company to another. As you plan for the financial costs and burdens of aging before you retire be sure to shop for the most affordable coverage.

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08-17-2019
Women Receive Majority of Long-Term Care Insurance Benefits

Women Receive Majority of Long-Term Care Insurance Benefits

More people own Long-Term Care Insurance. Last year over $10.3 Billion in benefits was paid to American families providing quality care, reducing family stress, and protecting savings. A new claims study shows 64% of those on claim were women.

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04-11-2019
Think You Have Long-Term Care at Work? Probably Not.

Think You Have Long-Term Care at Work? Probably Not.

Do you have coverage for long-term care at work? Probably not. Generally, people think long-term care disability is the same as long-term care. It is not. Know some of the misconceptions before you start planning.

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04-11-2019
Long-Term Care Insurance Claims Pass $10 Billion Mark in 2018

Long-Term Care Insurance Claims Pass $10 Billion Mark in 2018

The number of American families benefiting from Long-Term Care Insurance continues to rise. A new claims study indicates the major companies paid over $28.22 million a day in long-term care benefits in 2018 alone … over $10.3 billion annually.

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04-11-2019
Pricing Long-Term Care Insurance Shows Stability

Pricing Long-Term Care Insurance Shows Stability

Long-Term Care Insurance remains a very affordable way to address the financial costs and burdens that come with aging. A national study of insurance companies shows premiums for new coverage in 2019 varies slightly from plans available in 2018.

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04-11-2019
Sandra Day O'Connor Diagnosed with Dementia

Sandra Day O'Connor Diagnosed with Dementia

Retired Supreme Court Justice Sandra Day O’Connor announced she has dementia. She is a growing list of people who now must deal with the physical, emotional and financial burdens that come with longevity and long-term care.

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04-11-2019
Future Long-Term Care Insurance Rate Increase Risk Near Zero

Future Long-Term Care Insurance Rate Increase Risk Near Zero

As people consider longevity, the cost of Long-Term Care Insurance is on many minds. Today’s LTC policies are rate stable with a near zero chance of rate increases in the future, according to the American Association for Long-Term Care Insurance.

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04-11-2019
Tax Law Encourages Long-Term Care Planning

Tax Law Encourages Long-Term Care Planning

American families are being impacted by the financial costs and burdens of aging. Long-Term Care costs are expensive. Tax benefits make LTC insurance even more affordable. Plan before retirement.

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04-11-2019
Compare the Leading Causes of Long-Term Care & Death

Compare the Leading Causes of Long-Term Care & Death

A topic you will hate … death and long-term care. Could have added taxes but that would be too much. Many of the causes of death also cause extended care impacting family & finances. Pet pic included for fun.

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04-11-2019
Family Caregiving Often Brings Conflict

Family Caregiving Often Brings Conflict

As more Boomers require long-term care due to illness, accidents or aging the lack of planning means families must go to ‘crisis management’. This often leads to sibling strife. Conflicts can be avoided.

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04-11-2019
NFL Dwight Clark Dead at Age 61

NFL Dwight Clark Dead at Age 61

NFL Dwight Clark has died at the age of 61. Dwight was suffering from ALS (Amyotrophic Lateral Sclerosis). Dwight had played for the San Francisco 49ers in 1979-1987.

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04-11-2019
Long-Term Care Insurance Delivers Care at Home

Long-Term Care Insurance Delivers Care at Home

A new study shows most Long-Term Care Insurance claims start with care at home. While most people think the insurance just pays for nursing homes the reality is the opposite. In 2017 Over $9.2 Billion in benefits were paid to American families.

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04-11-2019
Multi-Generational Households on the Rise

Multi-Generational Households on the Rise

American longevity is creating an increase of multigenerational households. As more people require help with normal activities/long-term care, this places a burden on adult children and their families.

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04-11-2019
ER Visits for Older Americans May Signal Decline

ER Visits for Older Americans May Signal Decline

An elder Mom or Dad may not always reveal health or aging issues with their adult children. An ER visit often becomes the first sign and creates crisis management if no advance plan for Long-Term Care exists.

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04-11-2019
Lady Gaga Cancelled Tour with Concern for Health

Lady Gaga Cancelled Tour with Concern for Health

Like many Americans, pop star Lady Gaga is suffering from fibromyalgia, a painful condition which can impact activity and even cause future long-term care. Advance plan with LTC insurance will help provide quality care.

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04-11-2019
The Right Dog for Empty Nesters

The Right Dog for Empty Nesters

The kids are out of the house and now you need a new face to look at. Perhaps your older mom and dad need something to keep them active. Having the right dog can be helpful, fun and good for your health and well-being.

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04-11-2019
Millennials More Aware of Long-Term Care?

Millennials More Aware of Long-Term Care?

Generation X, Late-Boomers and Boomers understand the impact of aging on retirement savings, but a survey shows Millennials are more aware of their future need of Long-Term Care

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04-11-2019
Pay Attention to Aging this Holiday Season

Pay Attention to Aging this Holiday Season

Being "Home for the Holidays" gives you an opportunity to see loved ones. Take time to notice aging and health changes before a crisis occurs. Then think about your longevity plans.

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04-11-2019
Millionaires Should Have Long-Term Care Insurance

Millionaires Should Have Long-Term Care Insurance

One out of every 10 American households will be worth at least $1 million within the next four years and these individuals should be planning to protect their savings with Long-Term Care Insurance.

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04-11-2019
Impact of Family Caregiving

Impact of Family Caregiving

As more people require Long-Term Care services those with no advance plan place family members into the position of being a caregiver. A new study outlines the implications and impact of family caregivers.

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04-11-2019
Is America Ready for Retirement and Aging?

Is America Ready for Retirement and Aging?

Americans seem to be more prepared for retirement than their counterparts throughout the world. One item that could negatively impact savings is the cost of long-term care. LTC insurance can be an affordable way to protect your 401(k).

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04-11-2019
Nursing Homes Still Vital to LTC

Nursing Homes Still Vital to LTC

When people think long-term care many think about nursing homes. While most long-term care is provided outside a nursing home, these facilities are costly. Advance planning is essential.

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04-11-2019
LTC Insurance Tax Deduction Taken by More

LTC Insurance Tax Deduction Taken by More

Nearly nine million Americans deducted medical and dental expenses which can now include long-term care insurance premium costs according to a report released by the American Association for Long-Term Care Insurance.

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04-11-2019
Will Medicaid Cuts Impact Long-Term Care

Will Medicaid Cuts Impact Long-Term Care

Medicaid cuts are reductions in increased budget spending but the impact on your future long-term care has become a big concern. What is the impact and will private LTC insurance be an answer?

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04-11-2019
US Census – America Getting Older

US Census – America Getting Older

A new report shows we are an aging nation. This will impact your future retirement plan and health costs including long-term care which could mean outliving your money.

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04-11-2019
Commissioners Urge Congress to Bolster LTC Insurance

Commissioners Urge Congress to Bolster LTC Insurance

The National Association of Insurance Commissioners is urging Congress to make policy changes bolstering Long-Term Care Insurance and its availability to the public as it faces the challenges of an aging population.

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04-11-2019
Tips for Caring For Aging Parents

Tips for Caring For Aging Parents

Looking out of aging parents is not easy. Planning will make it easier. These tips may help your parent as you think about your own long-term care plan.

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04-11-2019
LTC Insurance Helping Avoid Nursing Homes

LTC Insurance Helping Avoid Nursing Homes

People with long-term care insurance are receiving a majority of their benefits outside a nursing home according to a new study from the American Association for Long-Term Care Insurance.

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04-11-2019
David Cassidy Dies At Age 67

David Cassidy Dies At Age 67

David Cassidy, pop culture idol of the 1970s, died Tuesday, November 21, 2017, at a Fort Lauderdale, Florida, area hospital. He was 67.

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04-11-2019
Long Term Care Insurance Costs Vary

Long Term Care Insurance Costs Vary

Many consumer’s use the internet to research Long-Term Care Insurance. Plans can be very affordable, but be sure to understand options available as you research.

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04-11-2019
LTC Claims Rise In 2016

LTC Claims Rise In 2016

More and more people have long-term care insurance, and people are receiving benefits in record numbers. More people require care and LTC insurance protects assets & eases the burden on a family.

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04-11-2019
Staying Fit and Losing Weight at 40

Staying Fit and Losing Weight at 40

Staying fit and losing weight at age 40 becomes more difficult with age as your metabolism slows, but it’s not for the reason you may think.

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04-11-2019
Top States For Long Term Care Planning

Top States For Long Term Care Planning

More American's are seeking help with planning for the physical, emotional and financial burdens of Long Term Health Care. A national consumer group announced the top 10 states for LTC planning.

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04-11-2019
Family Caregivers, Financial Costs, and Burdens

Family Caregivers, Financial Costs, and Burdens

New AARP report highlights the amount of money that family caregivers spend of providing care to family member. Hispanic families impacted even more. LTC insurance will reduce this burden and protect assets.

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04-11-2019
Interest In LTC Insurance Increase

Interest In LTC Insurance Increase

As more Generation X and Late Boomers make retirement plans sales of Long-Term Care Insurance increase. More people interested in safeguarding their 401k and IRA.

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04-11-2019
Strokes Impacting Younger Americans

Strokes Impacting Younger Americans

Once thought to only impact older Boomers, more GenX'ers are suffering from strokes. The consequences include Long-Term Care and burden on loved ones.

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04-11-2019
Whole-Grain Diet Can Help Blood Pressure

Whole-Grain Diet Can Help Blood Pressure

A new study shows that eating the right grains reduces the risk of cardiovascular disease. This is key since as we age cardiovascular disease can lead to many health issues including Long Term Health Care and death.

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04-11-2019
IRS 2017 Tax Deduction Schedule for LTC Insurance

IRS 2017 Tax Deduction Schedule for LTC Insurance

Individuals and businesses can take advantage of special tax treatment of Long-Term Care Insurance policies. This makes it even more affordable to safeguard future retirement income & assets from high costs of extended care.

7802
04-11-2019
Eric Clapton Career May End, Peripheral Neuropathy

Eric Clapton Career May End, Peripheral Neuropathy

The pop & rock stars that played on your radio are now aging, just like you. Health issues which cause Long-Term Care impacts retirement savings. Safeguarding savings with affordable LTC insurance should be part of your plan

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04-11-2019
Memory Loss Looms Large in Retirement Planning

Memory Loss Looms Large in Retirement Planning

More people are living longer and risk of memory loss is high.The financial costs & burdens of aging will impact retirement savings. Affordable LTC insurance will protect savings and not burden your family.

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04-11-2019
Long Term Health Care Usually Isn’t Nursing Home

Long Term Health Care Usually Isn’t Nursing Home

Life expectancy is increasing in the US and the rest of the world. The extra years of life is bringing more years of ill health. With more people needing care much of this care is not in a nursing home.

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04-11-2019
Michael J Fox Losing Battle With Parkinson's

Michael J Fox Losing Battle With Parkinson's

Fox has been outspoken about living with and finding a cure for Parkinson's disease since he went public with his diagnosis in 1998. He has slammed 'disturbing' reports about his 'declining' health.

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04-11-2019
Dementia Incidence Highest Among African Americans

Dementia Incidence Highest Among African Americans

A new 14 year study shows African Americans and American Indians have the highest incidence rates of dementia. This reinforces the need for all Americans to plan for the costs of extended Long Term Health Care.

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04-11-2019
80+ Population to Triple by 2050: UN

80+ Population to Triple by 2050: UN

The world is getting older including an ever increasing aging population in the US. This means more people will need help with normal activities & other Long Term Health Care needs.

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04-11-2019
Maurice White Dies at Age 74

Maurice White Dies at Age 74

After dealing with the impact of Parkinson’s for 24 years, Maurice White, the founding member of Earth, Wind, and Fire, passes away at 74. He, like many American’s, had to live with the care required from this disease.

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04-11-2019
Thriving and Living Longer at Age 100+

Thriving and Living Longer at Age 100+

The fastest growing age demographic in America is 90+ and many living to 100+. The impact of living well into your ‘golden years’ requires immediate planning before you retire.

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04-11-2019
Aging Issues and Your 401k

Aging Issues and Your 401k

The market has been tough on your 401k so far in 2016. But in a long-term view what happens when you have unbudgeted Long Term Health Care costs? The impact on retirement savings can have a big impact on your assets and love.

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04-11-2019
White House asks for Funding Ideas on Long-Term Care

White House asks for Funding Ideas on Long-Term Care

The White House has issued their Conference on Aging Report. WHCOA, which is held every ten years, deals with issues of aging and Long Term Health Care. Report outlines the high risk that Americans face due to LTC.

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04-11-2019
Affordable & Effective Long-Term Care Insurance

Affordable & Effective Long-Term Care Insurance

Long-Term Care Insurance policies provide outstanding benefits helping American families safeguard savings and reduce family stress. Today's LTC Insurance policies are very affordable, especially if purchased before your retire.

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04-11-2019
Get Off Your Butt! Long Sits Erodes Health

Get Off Your Butt! Long Sits Erodes Health

Even if you work out, sitting for long periods of time at work or watching TV can lead to health issues that lead to death or Long Term Health Care. Getting up and moving around will help.

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04-11-2019
IRS Announces 2016 Deductible LTC Insurance

IRS Announces 2016 Deductible LTC Insurance

The Internal Revenue Service has announced the 2016 tax deductible limits for Long-Term Care Insurance. Many state and federal tax advantages are available to help consumers make affordable LTC insurance part of their retirement.

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04-11-2019
Losing Sleep Over Sleep?

Losing Sleep Over Sleep?

Once you reach age 45 and approach your ‘fragile 50’s’ health issues and medications can cause problems with sleep. Sleep issues can also add to health issues.

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04-11-2019
Virtual Care In Your Future?

Virtual Care In Your Future?

Virtual care services are becoming reality expanding quality care to more people & reducing costs. In Long Term Health Care, virtual care can help people stay at home, reduce costs and avoid a facility.

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04-11-2019
Lack of LTC Planning Cause of Career Crisis

Lack of LTC Planning Cause of Career Crisis

As more people require long-term health care, more family members have become caregivers. A new survey suggests the impact on those loved ones is not limited to emotional and physical burdens.

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04-11-2019
Long-Term Care Insurance Policy Enhancements

Long-Term Care Insurance Policy Enhancements

With more and more people investigating affordable Long-Term Care Insurance and making it part of retirement planning, a leading consumer and trade advocate notes that new policy benefits favor consumers who buy LTCi.

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04-11-2019
Study: Drinking Water Before Meals = Weight Loss

Study: Drinking Water Before Meals = Weight Loss

Health issues as a result of Obesity are a main factor in increased risk of Long Term Health Care. A new British study suggests drinking a pint of tap water before meals will help people lose weight.

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04-11-2019
America Entering the ‘Golden Age of Caregiving’

America Entering the ‘Golden Age of Caregiving’

The U.S. has entered the ‘Golden Age of Caregiving’ with more family members becoming caregivers while taking care of their own families and living their own lives. A new study shows caregivers work 1.2 billion unpaid hours.

1327
04-11-2019
Report: Dementia Cases to Triple by 2050

Report: Dementia Cases to Triple by 2050

Those afflicted with memory loss is expected to triple in 35 years. Now a leading reason people require Long Term Health Care, the 100 types of dementias and the impact memory loss has on loved ones will become an even bigger

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04-11-2019
Workaholics Face Higher Risk of Stroke

Workaholics Face Higher Risk of Stroke

In 2012 U.S. Senator Mark Kirk (R-IL) suffered a stroke at age 52. Research is showing that younger people are now having strokes and TIA’s and the impact of such health events can create many issues for a victim’s family.

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04-11-2019
Call for Additional Tax Deduction For LTC Insurance

Call for Additional Tax Deduction For LTC Insurance

A public policy group founder calls for additional tax incentives to help consumers buy LTC Insurance. Joseph Stango, founder of “Choice Centered Medicaid” is calling for additional tax benefits because of the financial risk.

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04-11-2019
CDC: 1 in 4 Women = Osteoporosis. Men At Risk As Well

CDC: 1 in 4 Women = Osteoporosis. Men At Risk As Well

The CDC reports that many American women and even some men will deal with bone density issues as they age. Osteoporosis and osteopenia can have an impact on health including a higher risk of Long Term Health Care.

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04-11-2019
Are Bill and Hillary Paying Too Much Taxes?

Are Bill and Hillary Paying Too Much Taxes?

Bill and Hillary Clinton might be paying too much in taxes. One thing they could do is deduct their LTC insurance. Bill helped make LTC premiums deductible and Hillary in the past has supported LTC insurance tax credits.

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04-11-2019
Childless Boomers Who Will Care for Them?

Childless Boomers Who Will Care for Them?

Who Will Provide Care for Childless Boomers? Many will grow old without family to look after them. With advances in medical science allowing us to live longer and longer issues for these boomers like POA’s and Long-Term Care.

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04-11-2019
Dementia Victims Younger and Younger

Dementia Victims Younger and Younger

With research showing dementia victims are getting memory loss at younger ages has created additional pressures for loved ones. Planning ahead and seeing a MD right away are key.

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04-11-2019
Helen Reddy Diagnosed With Dementia

Helen Reddy Diagnosed With Dementia

Reports are indicating that singer Helen Reddy, known for many top 40 hits in the 1970’s, has been diagnosed with dementia and entered a LA nursing home. With 3 number 1 hits and many other chart records, Reddy was attempt

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04-11-2019
The Retirement Family's Wolf in Sheep's Clothing

The Retirement Family's Wolf in Sheep's Clothing

Despite the odds many people fail to consider Long Term Health Care costs when putting together their retirement plan. Since 7 in 10 people will need some type of LTC some don’t see the Wolf in their retirement plan.

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04-11-2019
Can You Afford To Live To 100?

Can You Afford To Live To 100?

With advances in medical science more and more people are living longer … even to 100+ Can you afford to live a long life?

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04-11-2019
Long Term Care Can Change Everyone, Everything

Long Term Care Can Change Everyone, Everything

But few people make preparations for dealing with and paying for Long Term Health Care. This inevitable part of life that can drain a family both emotionally and financially. Long-Term Care Insurance can make getting older easier on family and finances.

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04-11-2019
Commentary | Insurance for Long Term Care

Commentary | Insurance for Long Term Care

This is an op-ed from a retired college professor who talks about his first-hand experience with his wife's Long-Term Care. He shares how their LTC policy helped his family.

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04-11-2019
Alzheimer's Different for African Americans and Latinos

Alzheimer's Different for African Americans and Latinos

African-Americans are twice as likely as whites to develop Alzheimer's. Research suggests it impacts African-Americans in a different way compared to others. An advance plan, including Long-Term Care Insurance, is key to retirement planning.

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04-11-2019
Divorce, Remarriage and Long Term Care Insurance

Divorce, Remarriage and Long Term Care Insurance

You’re divorced, now what? While long-term care planning is always a key part of retirement planning it becomes essential after divorce. Affordable LTC insurance needs to be part of the plan. Remarriage? Yes, still essential.

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04-11-2019
The 10 Warning Signs of Alzheimer's

The 10 Warning Signs of Alzheimer's

Alzheimer's disease is expected to triple by 2050. This means you need understand the warnings signs and plan for the financial costs and burdens of aging. For many, this means an affordable Long-Term Care policy.

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04-11-2019
Do Americans Understand Long Term Care?

Do Americans Understand Long Term Care?

Survey shows few people are “very or extremely confident” in their ability to pay for ongoing Long Term Health Care. Reason for people to include affordable Long-Term Care Insurance as part of their retirement plan.

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04-11-2019
Long-Term Care Costs Vary Greatly By State and Type

Long-Term Care Costs Vary Greatly By State and Type

Many people are now planning for Long-Term Health Care as part of retirement planning. Yet, while they may be buying Long Term Care Insurance they don't consider the cost of care which can vary depending on where one lives.

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04-11-2019
You Have Early Onset Alzheimer’s

You Have Early Onset Alzheimer’s

Most people think Alzheimer's happens to someone else, elderly people. Early-onset Alzheimer’s disease impacts many. The stories can make you cry.

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04-11-2019
80% of People Buying LTC Insurance Are Ages 45 to 65

80% of People Buying LTC Insurance Are Ages 45 to 65

Long-Term Care Insurance has become an important part of retirement planning. The American Association for Long-Term Care Insurance, a national consumer group, reports that buyers are getting even younger as more people plan.

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04-11-2019
Five Ways To Protect Your Retirement Income

Five Ways To Protect Your Retirement Income

One of the biggest involuntary risks we face is Long Term Health Care. Fidelity Investments, one of the largest mutual fund and financial services groups in the world, makes suggestions which includes planning with affordable

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04-11-2019
The Basics Of Long Term Care Insurance

The Basics Of Long Term Care Insurance

Who will take care of you when you are old? Most of us should start thinking about this as we plan our future retirements. This article from CBS Boston talks about the need for Long-Term Care Insurance.

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04-11-2019
How Technology Will Revolutionize Long Term Care

How Technology Will Revolutionize Long Term Care

Technology will give people who require Long Term Health Care additional choices to make their life better. Many Long-Term Care Insurance policies will provide benefits to pay for advances in technology that may become available.

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04-11-2019
Why Most Alzheimer's Patients Are Women

Why Most Alzheimer's Patients Are Women

Memory loss is a major factor in a person's need for extended Long-Term Care Services. Women are double impacted in that they need care more than men and they are caregivers for men as well.

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04-11-2019
5 Signs of Alzheimer's That Show Up Before Memory Loss

5 Signs of Alzheimer's That Show Up Before Memory Loss

Memory loss is a leading cause of why a person may need Long Term Health Care. Knowing early signs is important so you can get a head's up on a loved one. This is also a reason why you should make Long-Term Care Insurance part of retirement planning.

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04-11-2019
The Realities of Long Term Care for Elderly

The Realities of Long Term Care for Elderly

Advances in medical science allow us to live longer & survive accidents & health events. As we age the risk increases. People require care due to illnesses, accidents or the impact of aging.

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04-11-2019
Teachers Told Long-Term Care Planning is Essential

Teachers Told Long-Term Care Planning is Essential

A leading Long-Term Care Planning expert tells teachers that planning for Long Term Health Care is even more important now that many states are looking at changing how teacher’s retirements are funded.

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04-11-2019
LTC Insurance Claims Over $7.5 Billion

LTC Insurance Claims Over $7.5 Billion

Some people wonder if Long-Term Care Insurance actually pays claims. According to a national trade group, LTC policies paid almost $8 billion in claims in just 2014.

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04-11-2019