James Kelly

Health can change even for a reality TV star Kim Kardashian. The impact of changing health can dramatically impact family and finances unless you have an advance plan. Often this includes affordable Long-Term Care Insurance.

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.

One man lost his battle to Alzheimer’s as another man gets diagnosed. Because they are well known the world knows but the impact of dementia, including Alzheimer’s hits many American families.

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.

Despite the perception that long-term care insurance is expensive, the reality is policies are very affordable for most people. Plus, experts suggest ways to make them even more affordable.

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.

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.

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.

The 41st President of the United States, has battled numerous health issues, including vascular parkinsonism, passes away at the age of 94.

The IRS has announced the 2019 tax incentives for new or existing policies. These tax breaks give American’s extra incentive to plan for costs & burdens of aging.

A new survey shows the growing economy & labor market has impacted the costs of long-term care services & supports. Care costs are increasing and the need for Long-Term Care insurance is the key to successful retirement planning.

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.

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.

Every stage of life has concerns. As we get to our fragile 50s, planning for the financial costs and burdens of aging becomes a key part of retirement planning. Have you thought about longevity?

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.

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.

America's TV & movie icons are getting older. Many now suffer from dementia. Tim Conway is the latest as his family deals with costs and burdens from aging.

With so many things to worry about in life you might worry about forgetting something to worry about! There is a big surprise coming after retirement that is often ignored. Planning avoids the big surprise.

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.

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.

Humans don't age like a fine wine, but we do live a long-time. Longevity requires an advance plan including Long-Term Care Insurance. A new study says the longer you wait the bigger chance health issues will prevent you from obtaining coverage.

American families were paid over $9.2 Billion is Long-Term Care Insurance benefits in 2017. A new study shows the largest claim has paid $2.6 million to one person.

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.

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.

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.

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.

Longevity has a big impact on your savings and your family. These are the 7 reasons why affordable Long-Term Care Insurance will ease those burdens.

Superstar singer Neil Diamond retires from performing following a diagnosis of Parkinson's disease. He becomes yet another celebrity impacted by the degenerative disorder which causes Long-Term Care

Will occasional smoking or marijuana use really be a health issue? Can it impact risk for long-term care in the future? How can you plan before it becomes an issue?

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.

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

Many people will be ‘Home for the Holidays’ giving them an opportunity to see loved ones they don’t see on a regular basis. Noticing changes before a crisis occurs can help older relatives.

Many people are aware that planning in advance for the costs and burdens of aging should be part of your overall retirement plan. Some are unaware of tax incentives of LTC 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.

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.

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).

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.

Warm summer weather can be hard on everyone, especially hard on those who are older. It can lead to heat exhaustion, heat stroke or death.

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.

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?

Individuals with Long-Term Care Insurance receive 35% more hours of quality care in the setting they desire according to a study. Quality care, asset protection and relief of family burden are big benefits.

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.

An AP poll suggests most Americans favor government run Long-Term Care services despite other options and the potential impact on taxpayers.

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.

Many of us will suffer from foot or ankle problems at some point. These problems cause pain and even cause falls which can lead to injuries and long-term care. Proper treatment will ease the pain.

May is Blood Pressure Awareness Month as well a Stroke Awareness Month. You should be aware of the risks and ways for prevention. HBP and strokes can cause serious health issues and Long-Term Care

More and more younger people are impacted by the pain and discomfort of arthritis. The CDC says this isn’t your mom’s arthritis. It is also a leading cause of long-term care.

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.

Partnership policies are affordable plans to provide additional asset protection while easing the burden extended care places on family.

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.

Skilled and advanced Long-Term Care for a private room costs break a national average of $100k per year for the first time.

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

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.

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.

Filial responsibility laws could require your adult children to pay for future LTC costs unless you plan ahead.

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.

Hybrid long-term care and short-term care policies are new options for Long-term Care Insurance. Consumers should weigh the pros and cons for each policy type.

Today Show host Matt Lauer discussed the need for LTC Planning with NBC's Jean Chatzky. She explained the types of LTC plans and the need to start at age 50.

Family caregivers suffer hardships when providing Long-Term Care services. Most are untrained and create issues for those giving care and receiving care.

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.

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.

LTC issues become bigger burden on mid-career women who tend to be the default caregiver for an older parent or in-law. An advance LTC plan before retirement is key.

Farmers and Ranchers have much of their assets in the value of their land. Long Term Health Care costs can threaten the ability to keep the farm or ranch in the family.

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.

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.

People need Long Term Health Care due to illnesses, accidents or the impact of aging. MS is one condition that can cause LTC creating a physical, emotional and financial burden on family.

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.

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.

Generation X & Late-Boomers should plan for LTC. Impact of no plan will burden Millennials. LTC insurance safeguards income & savings & eases burden on family.

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.

Extended care (home or facility) is in our future. Who provides that care and pay for it? Robotics are a big part of healthcare. Costs will impact your savings.

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

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.

Research shows many Americans think Medicare will pay for LTC despite they generally will pay little or nothing. Those who have LTC insurance are happy.

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.

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.

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.

A new study confirms women continue to enjoy longer life, however that means they require a higher level of disability as they age. This means women must plan for the financial costs and burdens of aging.

An aging America means products and services to service the Long Term extended care needs of this group is growing and evolving. Diapers are a good example as more people have needs as they age.

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.

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.

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.

As more people include Long-Term Care Insurance as part of their future retirement, a report shows claims paid by these plans will soon reach the $100 Billion mark. As more people live longer more require 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.

Golden Globe and Emmy Award Winner Pat Harrington, Jr, known best as "The Super” in the 80’s Comedy “One Day at a Time” dies after a struggle with Alzheimer’s.

Long-Term Care Insurance policies work very well and are affordable when designed correctly. More people today investigate making Long-Term Care Insurance part of their overall retirement plan.

If your New Year's resolutions include better health & retirement planning than drink to that for 2016 with red wine.

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.

Many people have New Year's Resolutions. For those who are 40 and over, these are five good things which you can get done now.

More people today are wanting to plan for the financial costs and burdens of aging. The risk of needing Long Term Health Care is high but few insurance agents are able to help with LTC.

You remember the Beatles song, “All You Need Is Love”. When considering love & marriage after age 50 you might need more.

A new study shows the cost of caring for those with memory loss is more expensive than other health issues. This cost tends to be out-of-pocket and in the last 5 years of life.

Having a beer or two may ward off Alzheimer’s and Parkinson’s according to a study.

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.

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.

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.

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.

When a reality star suffered a TIA at age 37 it reminds people to pay attention to their health and retirement planning as it relates to the cost of extended Long Term Health Care.

Lowering blood pressure below target cuts the risk of death in adults aged 50+ according to preliminary results of study. HBP leads to many health issues which cause health issues, Long-Term Care and death.

The Emory Alzheimer's Disease Research Center published the results of a new research study which indicated what many people already suspected … Alzheimer’s is a women’s issue.

British study suggests Alzheimer’s may be infectious. Questions still need answers but certain medical procedures may transmit the seeds of the disease.

More people suffer from memory loss even at younger ages. A new study shows being lonely may fuel memory issues. This presents additional reasons to plan well before a person ages.

South Carolina, as well as many states, are dealing with the greying of the population. Long Term Health Care is an issue.

Here is another good reason to diet. New research shows a link between weight in mid-life and risk of Alzheimer's including the age one might suffer from it.

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.

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.

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.

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

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.

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.

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.

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.

CDC announced some people should get their flu vaccination before the end of December. Those 50+ and children 6 months to age 5 are some groups that have priority concern.

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.

With the chance you may need extended Long Term Health Care so high, that cost can have a huge impact on an estate.

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.

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

MidLife Crisis issues? Five big issues that could trigger desperation for those in their midlife years and possible solutions so you can thrive as you age.

Is it brain fog or actual dementia? For many women it is a question they ask. Hormones, autoimmune to the neurological brain fog has many casues.

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.

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

Nearly half of family caregivers administer multiple medications, treat wounds or operate specialized medical equipment. Some states require hospitals to give them better instructions.

Story on Financial Planning website explains the high cost of Long Term Health Care even when provided free by family members an AARP report shows.

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.

The cost of Long Term Health Care is very high. Retirement planning experts say Long-Term Care Insurance should be part of your retirement plan.

Many Baby-Boomers are now taking care of a parent as well as their own career and family responsibilities.

A new study shows that women suffer more than men do with memory deterioration. Women are also caregivers first before they become the ones who need care. Planning and research are required.

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.

African-Americans are twice as likely as white people to get Alzheimer's. A new study suggests it impacts African-Americans in a different way compared to others.

You’re divorced, now what? While Long Term Health Care Planning is always a key part of retirement planning it becomes even more important if you are divorced. Affordable LTC insurance needs to be part of the plan.

People plan for future retirements but too often costs of Long Term Health Care are not considered. Some think it will never happen to them and some think health insurance or the government will pay.

Alzheimer's disease is expected to triple by 2050. This means you need understand the warnings signs and plan ahead in advance so your retirement plan has the money to pay for future 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.

Very common for adult children to be caring for and dealing with the care of a parent. This support comes with a price. Making smart planning moves will help older parents. Planning is also key for adult children.

UPDATE George HW Bush will require 3 to 4 months for recovery from fall. The former President is suffering from Parkinson and his condition is stable.

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

Some people are planning on working to at least 65 or even beyond. However your health may not allow it and the impact can create problems for your bottom line.

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

Ellen Goodman, of The Conversation Project, leads a national effort to get families to "sit down at the kitchen table" and talk while parents are still healthy.

Early onset Alzheimer’s disease is hard on everyone involved. For B. Smith she deals with it in a practical way.

The "Sandwich Generation", those who take care of their own children and aging parents, are concerned how their future care needs will be addressed according to a poll.

Hospice care focuses on pain relief and symptom control for patients generally at the end of life. Those who provide this care tend to be special people.

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.

Actress Angela Bassett was a caretaker for her mom so she understands why planning for Long Term Health Care is key to retirement planning.

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

We are all living longer and longer. When a person needs Long Term Health Care many times it is an older spouse that is the caregiver. This isn't good for either person.

Fears about memory issues, commonplace for many of us who on occassionly forget things in a world where information is available 24/7. Yet is all memory loss Alzheimer's?

The "sandwich generation" are people caught between taking care of their own children while taking care of parents who need extended care. This is more common than ever before.

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.

Some people think Medicare, which is the health insurance for those 65 and over will cover Long Term Health Care costs. In fact, it pays very little. For those under 65, normal health insurance also pays very little.

We always hear about things that CAUSE cancer.

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.

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.

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.

Not having an affordable plan for Long Term Health Care can have a big impact on your future retirement. Planning in advance is key. An affordable solution is Long-Term Care Insurance.

Alzheimer's is a major concern for people, especially as they attempt to plan for future retirement health costs. This is a real big issue for women.

Those in the military are not generally protecting themselves from issues of direct sunlight. Skin cancer issues can increase without advanced sun screen protection.

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.

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.

Richard Kiel's passing with health issues reminds us the need to plan early for health issues as part of our retirement planning.

Short Term Care Coverage might be available for some who have been declined for Long-Term Care Insurance according to consumer group. People with health issues could benefit.

Many people have HSA's and don't know they can pay for their affordable Long-Term Care Insurance with the pre-tax money in their HSA accounts.

Despite what the facts indicate, many people think they will never require Long Term Health Care. Maybe they think it means being in a nursing home.

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.