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    Most of us purchase life insurance for one of two reasons: to protect loved ones financially from unexpected death, or as a cash-value investment to pay for future needs, such as long-term care or assisted living. These policies can be smart (especially with older, more generous plans), but it’s important to review them periodically to [...]
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    Long-term care insurance is a complicated product. Purchasing a new policy in today’s market is difficult, expensive and restrictive as providers scramble to stay ahead of the rising costs of care. Existing policies are impacted, too, with most older policies shifting almost beyond recognition thanks to exclusions, restrictions, inflation and changes imposed by the providers. [...]
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    Alzheimer’s disease is a frightening disease, emotionally, physically and financially – bringing a looming threat of major medical bills for around-the-clock specialty care that can’t be ignored. Many assume that Medicare will cover the expense, but like most insurance plans, it’s not intended to handle long-term care, or any kind of chronic condition that requires [...]
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    For those with Alzheimer’s disease, there comes a point when caregiving services are no longer enough. As their condition deteriorates, the need for care progresses beyond the simpler tasks of daily living. Click here to learn about the seven stages of dementia’s progression. Family caregivers can’t provide the around-the-clock supervision needed, and find their loved [...]
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