Comments on: Your Guide to Paying for Long Term Care http://preferhome.com/your-guide-to-paying-for-long-term-care/ Celebrating life, dignity, and independence.™ Mon, 22 Feb 2010 15:01:20 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: Ian M http://preferhome.com/your-guide-to-paying-for-long-term-care/comment-page-1/#comment-440 Ian M Wed, 29 Jul 2009 00:39:55 +0000 http://preferhome.com/your-guide-to-paying-for-long-term-care/#comment-440 Thanks for sharing this list of resources. It's very important the public understand what medicare and medicaid covers (and doesn't cover.) Many believe the government is going to be there to cover long term care medical issues. This isn't always the case, so please, read up now before it's too late. If anyone is looking for a general estimate about the cost of long term care insurance, we just published a very useful calculator. Take a look and let us know what you think - http://www.ltcconnects.com/insurance-estimate.php Thanks for sharing this list of resources. It’s very important the public understand what medicare and medicaid covers (and doesn’t cover.) Many believe the government is going to be there to cover long term care medical issues. This isn’t always the case, so please, read up now before it’s too late. If anyone is looking for a general estimate about the cost of long term care insurance, we just published a very useful calculator. Take a look and let us know what you think – http://www.ltcconnects.com/insurance-estimate.php

]]> By: Jody http://preferhome.com/your-guide-to-paying-for-long-term-care/comment-page-1/#comment-439 Jody Wed, 22 Jul 2009 13:10:50 +0000 http://preferhome.com/your-guide-to-paying-for-long-term-care/#comment-439 Hi Lynne, Researchers followed 13,000 people over the age of 65 from 1991 to 2005 to better understand diseases of dementia. Over that time, 438 people in the study developed Alzheimer's disease or another form of dementia. 81% of those developing dementia died before the study was completed. The main factors that determined how long a person in the study lived after being diagnosed with Alzheimer's disease or another form of dementia were age, gender and level of disability. Here are the main findings: - Women lived an average of 4.6 years after diagnosis, - men lived 4.1 years. - People diagnosed when under age 70 lived 10.7 years compared to 3.8 years for people over 90 when diagnosed. - Patients who were frail at the time of diagnosis did not live as long, even after adjusting for age. Overall, the average survival time for someone in the study diagnosed with Alzheimer's disease or dementia was 4.5 years. As far as advice on your policy, your friend should talk to their LTC Inusrance agent. Here are two good resources on LTC Insurance. American Association for LTC Insurance http://www.aaltci.org/long-term-care-insurance/ http://www.kiplinger.com/yourretirement/longterm/ Kiplinger Your retirement/Long Term Care I hope this has helped to answer your questions. Sincerely, Jody Guerrieri, RN <em>Source: Xie J, Brayne C, Matthews FE; and the Medical Research Council Cognitive Function and Ageing Study collaborators. Survival times in people with dementia: analysis from population based cohort study with 14 year follow-up. BMJ. 2008 Jan 10.</em> Hi Lynne,

Researchers followed 13,000 people over the age of 65 from 1991 to 2005 to better understand diseases of dementia. Over that time, 438 people in the study developed Alzheimer’s disease or another form of dementia. 81% of those developing dementia died before the study was completed.

The main factors that determined how long a person in the study lived after being diagnosed with Alzheimer’s disease or another form of dementia were age, gender and level of disability. Here are the main findings:
- Women lived an average of 4.6 years after diagnosis,
- men lived 4.1 years.
- People diagnosed when under age 70 lived 10.7 years compared to 3.8 years for people over 90 when diagnosed.
- Patients who were frail at the time of diagnosis did not live as long, even after adjusting for age.

Overall, the average survival time for someone in the study diagnosed with Alzheimer’s disease or dementia was 4.5 years.
As far as advice on your policy, your friend should talk to their LTC Inusrance agent. Here are two good resources on LTC Insurance.

American Association for LTC Insurance
http://www.aaltci.org/long-term-care-insurance/

http://www.kiplinger.com/yourretirement/longterm/
Kiplinger Your retirement/Long Term Care

I hope this has helped to answer your questions.

Sincerely,

Jody Guerrieri, RN

Source:
Xie J, Brayne C, Matthews FE; and the Medical Research Council Cognitive Function and Ageing Study collaborators. Survival times in people with dementia: analysis from population based cohort study with 14 year follow-up. BMJ. 2008 Jan 10.

]]> By: Lynne Quint http://preferhome.com/your-guide-to-paying-for-long-term-care/comment-page-1/#comment-438 Lynne Quint Tue, 07 Jul 2009 21:09:33 +0000 http://preferhome.com/your-guide-to-paying-for-long-term-care/#comment-438 Hi I had a friend that inquired about her mother. Her mother has alzhiemers. She is currently 67 years old and she has a policy to cover 10 years of LTC. The daughter does not feel that this is enough. Is there anything she can do? What is life expectancy with this disease? Thanks Lynne Quint Hi
I had a friend that inquired about her mother. Her mother has alzhiemers. She is currently 67 years old and she has a policy to cover 10 years of LTC. The daughter does not feel that this is enough. Is there anything she can do? What is life expectancy with this disease?

Thanks
Lynne Quint

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