Coverage Options for Long-Term Care Insurance Policies, Pt. 1
Both traditional and newer hybrid insurance policies carry a number of parameters and options to consider.
A Vanishing Value Premium?
Value stocks underperformed growth stocks by a material margin in the US last year. However, the magnitude and duration of the recent negative value premium are not unprecedented.
Can You Time the Market?
Over the long term, market returns need to be captured efficiently and consistently. Trying to guess when they occur is an impossibility that leads to the underperformance stated above. How difficult is it to time the market? Let’s look.
Hybrid Long-Term Care Insurance Policies
Attempts to combat concerns about traditional long-term care insurance have resulted in combination or hybrid products using an asset-based approach to fund long-term care.
Potential Concerns and Risks for Traditional Long-Term Care Insurance
The range of expenses covered by long-term care insurance varies, and it is important to understand what exactly is covered by a contract under consideration.
Prophets & Losses: Predicting the Market is a Losing Proposition
Right now there is a lot of noise in the system. The din of the pundits quickly becomes deafening as they try to tell you what the markets are going to do this year. The financial media does this every year, and even more so with this year’s volatile start. This type of prognostication sells, […]
Two Options for Funding Long-Term Care
I discuss two options for funding long-term care: self funding and Medicaid.
The Continuum of Long-Term Care
Many receive long-term care at their homes or at community centers or adult day care centers. Institutionalized living is not always required, and proper long-term care planning may allow one to remain at home longer than otherwise possible.
Costs and Incidence of Long-Term Care
How likely is a person to experience a need for different types of long-term care? This is a challenging question and it is hard to find good answers.
The Importance of Planning for Long-Term Care
Long-term care spending represents one of the most severe spending shocks that can impact retirees.
