Monday, December 22, 2014

Baby Boomers: Aiming to Combat the Elder Abuse Crisis

The negative thing we hear in the news about kinds of abuse is quite alarming. Abuse does not only happen to children or women but according to recent surveys there are also an increasing number of abuse towards the elderly. As a person grows old it cannot be helped that you will suffer different physical weaknesses as well as diseases. This can be a way for other people to take advantage of you and treat you in a very inappropriate manner. Hence, the establishment of elderly abuse laws is a huge relief because it can be your protection as well as your lifeline.
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Friday, December 19, 2014

The ABC's of Baby Boomer's New Year's Resolution

The festivity is already in the air and in no time, new year will be coming. A time for people to make resolution, a list of to-do things designed to improve our own and other people's lives. The biggest challenge in making a new year's resolution is keeping it, too often, we want to carry out these resolution but fail to keep it.

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Thursday, December 18, 2014

Understanding long term care laws - The Crisis of Denied Claims

A contract is a very complicated tool used by companies to ensure an understanding within the buyer and the company, but sometimes, they can use even the vaguest words to their advantage, so you better beware and understand every word written on your contract with them. Hiring an insurance coverage contract lawyer is one of the best ways to ensure your safety before signing with that insurance company, it might be a bit expensive, but it will surely help you because they know every nook and cranny of the long term care law and you can use that to your advantage.

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Monday, December 15, 2014

Baby Boomers Overlooked True Cost of Long-Term Care

Planning for long term care is anticipating and preparing for your future care needs. More than half of people aging 65 and older will require long term care. Meanwhile, those who are younger are not impervious to this need. In fact 40% of those aging 18-64 have a possibility of needing care even if they are not yet in their elder years. Planning is essential but before you get started, you must first have the answer to the question, “What is long term care?”
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Long term care pertains to the services that a person needs in order to retain the quality of his daily living. A huge part of long term care deals with providing assistance in basic tasks such as bathing, eating or getting dressed. These are referred to as Activities of Daily Living. Long term care mostly deals with the custodial needs of a person.

Thursday, December 11, 2014

Health Concerns of Baby Boomers: A Burden Imposed by Aging

Health is always a serious matter and we humans try our best to prolong life itself. Years of study and research has successfully prevented many diseases from taking lives but there are still chronic ailments that we do not have a cure for. Most of these causes can be prevented by having long term care.
Many of these illness are related to aging but the incident of dying can still be prevented. Some incidences of death are caused by unsupervised activities. Some of these deaths could have been prevented by having someone watch over them and monitor their actions. There are several causes and Deanne Goodman discussed the top 10 health concerns for baby boomers

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Useful Tips on Long Term Care for Baby Boomers

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Long term care allows senior citizens to maintain good health and manage their daily life as they stay at home or in facilities. Although it is better to apply for long term care insurance at age 40, many Americans choose to enroll when they are over 60. Long term care for baby boomers is essential for their well-being and even financial stability.  

Tuesday, December 9, 2014

Bringing the Holiday Cheers to Baby Boomers

As you look around, whether in malls, park, schools or even just in the neighborhood, you will feel and smell that holidays are just around the corner. While a lot of seniors and baby boomers feel alone in retirement communities and other long-term care facilities, it's time to brighten their smile and make them feel the holiday cheer.
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Thursday, December 4, 2014

Is Long-Term Care Insurance A Good Investment for Baby Boomers?

A lot of experts suggest acquiring a long-term care insurance policy especially for baby boomers who are already nearing their retirement. More and more people are shying away from this product because the rates have ultimately increased and therefore you will come to a realization and ask yourself "Is ltci a good investment?"

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Wednesday, December 3, 2014

Why Boomers are Changing Retirement

Everyday, thousands of baby boomers turns 65 or even older, and since these boomers are predicted to live longer than their parents, they are expected to redefine or reinvent retirement. Unlike their previous generations, boomers are more active and plan to work longer, however, baby boomers are not good savers like their parents, most of them fail to saved adequately for retirement. And while they have a large percentage in the population, study shows that many baby boomers are likely to live alone during their old age.

These issues are some of the focus of their retirement and things that affects why boomers are changing retirement. Although they are worried if they have enough money that will allow them to live comfortably and independently, a lot of them are also struggling to help out with family finances, either for their parents or their children. Boomercafe have shared their views on how baby boomers are redefining retirement in one of their blogs.

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Friday, November 28, 2014

Federal Long Term Care Program: Will it Help You?

Many people are now thinking about their long term care needs in the future. They understand that there is a high probability that they might need the assistance during the later years of their life. In relation to this, many are relying on a federal long term care program to provide them with long term care when they needed it.  However, can this program provide you all your long term care needs? To better understand this matter, you can continue reading the article.

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Thursday, November 27, 2014

Ombudsman Program for Long-Term Care, Stepping up for Aging American's Rights

From time to time, we may have heard about cases of elder abuse, either physically, mentally, emotionally or financially, this is a serious issue that needs to be addressed. If our loved ones and family members are in a long-term care facility and we discovered that they don't receive the proper care that is due them, we would be reacting violently, but how do we deal with this?

CJAD news reported on a case of an elderly who was in an ltc facility for nine months and her loved ones discovered that she hasn't received a proper bath since she was first admitted to the facility. Her family was outrageous and filed numerous complaints against the facility. If you were in the same shoes of her loved ones, do you know exactly where to go in cases like this?

We have previously discussed about long-term care ombudsman in this blog two weeks ago, today, we will feature additional helpful information on how the program is stepping up for elder rights.

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Thursday, November 20, 2014

How Will Baby Boomers Handle Long-Term Care Costs

At a dramatic and alarming rate, the cost to stay in a nursing home care facility is increasing. In the latest Genworth Financial report, $83,950 is the median annual cost of a nursing home care facility which has risen annually (4.5 percent/year) over the period of the last five years.

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Long-Term Care Insurance Alternatives for Baby Boomers

To get coverage for long term care, there are other ways aside from looking for a major insurance carrier and paying the premiums of a long term care insurance policy. You probably find premiums to be too expensive due to limited assets. On the other hand, if you already own a health or life insurance policy, you may not want to buy another one for long term care. discussed and provided several options as an alternative to traditional long-term care insurance.

Tuesday, November 18, 2014

Boomer Watch: Elder Care Laws, Why Does it Concerns Baby Boomers

We usually hear about "elder laws" which is highly significant to seniors and baby boomers, but do we have enough information about its significance and importance? Why does it concerns the baby boomers?

According to, "Elder law ensures the matriarchy and patriarch of your family is taken care of in various areas of their life", and this includes three major categories namely:
  • Estate Planning
  • Long Term Care
  • Guardianship

Monday, November 17, 2014

Boomer Watch: Caregiving Baby Boomers - The Unrecognized Challenges

Being a caregiver is unbelievably hard. Most people who receive professionally trained level of care, or, people who provide the specialized care would know just how hard it exactly is. It’s one of those careers or professions that takes a part of you for you to be able to be sincere without losing professionalism. Most people claim they know what a caregiver is but they probably don’t know anything about caregiving.
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Friday, November 14, 2014

Boomer Watch: Longevity, Long-Term Care and the Baby Boomer Women

Many baby boomers are now retiring, they are aware of the challenges they may face in their golden years especially in terms of finances, health and long-term care. However, baby boomer women need to see retirement differently compared to men. As we are all aware, women are more likely to live longer than men so they have to have extra funds to last their lifetime. 

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Thursday, November 13, 2014

Boomer Watch: Benefits of Long-Term Care Insurance for Baby Boomers

There are various waysof obtaining long term care insurance plans as discussed in If you have limited income and budget, you are advised to enroll with Medicaid. On the other hand, if you earn sufficient income and possess a lot of money as savings, you may consider buying a private long term care insurance policy.

Wednesday, November 12, 2014

Boomer Watch: Later Life Financial Planning - Long-Term Care Insurance is a Must!

Preparing yourself for your future will not only include having a stable job and savings for your family, but what about when you are older and you already hit the age where you are going to retire. What are the necessary preparations you made in order for you to have an enjoyable and pleasant elder life?
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Tuesday, November 11, 2014

Boomer Watch: Advocates for Baby Boomers and Seniors - Long Term Care Ombudsman

As baby boomers plan for their care needs in the future, it is best to be familiar with the different resources that they can tap. The government has a number of bodies and people that are specifically tasked to tackle any concerns regarding long term care and one of them is the long term care ombudsman.

Thursday, November 6, 2014

Boomer Watch: The Long-Term Care Scenario for Baby Boomers

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There are several studies that showed baby boomers are expected to live longer than their parent's generation, and majority of these baby boomers are likely to live alone in their old age due to several factors including, divorce/separation and a lot of them not being married. In addition, despite medical advances it was revealed that the health of the baby boomers is worse than their previous generations. This actual facts and statistics only boils down to one thing, the boomers are likely to impact the long-term care state of the country due to frailty or a more serious health condition that may require ltc services.

Wednesday, November 5, 2014

Boomer Watch: Long-Term Care Awareness Month Dedicated to Baby Boomers

There isn't any better opportunity to begin discussing long-term care with your family than today, in connection with the observance of National Long-Term Care Awareness Month, baby boomers are encouraged to start the conversation and plan for long-term care.

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Tuesday, November 4, 2014

Boomer Watch: Long-Term Care Options for Boomers with Alzheimer's

Alzheimer's disease is the most common form of dementia, people who suffer from this disease may need several years of care and the cost can be unreasonable. As the disease progress, it may no longer be possible for patients to be cared for at home, they may need to move to a specialized dementia care facility.

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Monday, November 3, 2014

Boomer Watch: The Boomer's Changing Needs - Reviewing Your Health Care Coverage

As we get older, our needs and priorities changes especially in terms of health and spending priorities. In line with this, the plans that we made years ago needs constant review and changes as well so we can keep up with the stages in our lives.

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Wednesday, October 29, 2014

Boomer Watch: Coming to Age - Baby Boomer's Long Term Care Needs

Gone are the days when people will just have to stay with parents or grandparents and live with them for the rest of their lives, as the boomer generation have changed the way the society view aging and end of life issues.

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Being the largest and most of the times regarded as the wealthiest generation, the boomers are still struck with critical financial issues in terms of health and long-term care, the changes in family dynamics have largely affected the cultural awareness, with more and more people living longer and women getting into the workforce instead of staying at home. Although family still plays a major role in  providing unpaid caregiving services, the necessity of planning for future long-term care needs is still significant.

Long-term care insurance is a crucial planning tool that is often overlooked, it is much less expensive than what most people think because you are able to manage and cover a big risk of incurring large out-of-pocket-expenses by paying a more affordable monthly premiums.

Completelongtermcare discusses the reasons why baby boomers need to think about long-term care differently and why long-term care insurance is needed more than ever.

Tuesday, October 28, 2014

Boomer Watch: Generation X to Baby Boomers Long Term Care Needs - "Burden Me Not"

Commonly known as America's neglected middle child, the generation X are now facing the dilemma of being in the sandwich generation taking care of growing children and aging baby boomer parents. So how do you juggle your time between career, caregiving and your personal lives?

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Monday, October 27, 2014

Boomer Watch: Critical Issues of Baby Boomers - Health, Long-Term Care, Retirement ,Financial Security and Aging

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With the explosion of the population after the world war II, the baby boomers are considered the largest generation in history. As the boomer generation age, by the year 2019, the total population of Americans over 65 will dramatically increase from 41 million to 70 million, that is an astounding 75% increase!

Friday, October 24, 2014

Boomer Watch: Preventing Retirement Burnout Among Baby Boomers

Are you just existing and not making the most out of your boomer life? As you approach your retirement years, do you ever feel bored? Retirement may bring physical, emotional and social changes in your life, you have to be ready to deal with it or you might struggle from depression which may lead to aggression.

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Thursday, October 23, 2014

Boomer Watch: Main Issues for Baby Boomers and Aging Americans

Are you one of the baby boomers who feels bothered about their future? You are not alone, and it doesn't come as a surprise anymore, people are prone to worry once their transition from their working year to their retirement year, but the boomers generation feels more worried despite some of them having earned financial power.

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Monday, October 20, 2014

Boomer Watch: Long-Term Care Insurance - It's Significance to Aging Boomers

The entire baby boomer generation is needing long-term care services due to frailty and less agility brought about by aging and illness . A lot of Americans are blaming baby boomers as the cause for the sinking economy due to several issues faced by the aging boomers including health care, housing, long-term care, debts and retirement.

Friday, October 17, 2014

Boomer Watch: Baby Boomer's Finances in Retirement - Savings, lnsurance and Portfolio

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Have you ever wondered if you are already in good financial shape? Is your retirement savings sufficient enough to keep you comfortable down the road, or are you worried that you might outlive your savings?

Thursday, October 16, 2014

Boomer Watch: Long-Term Care and the Highest Prevalence of Obesity Among Baby Boomers

The latest report from the US Census Bureau revealed that the vast majority of baby boomers are obese. The figures showed that 72 percent of older men and 67 percent of older women are obese, these baby boomers have the highest prevalence of obesity compared to their parent generation.

Wednesday, October 15, 2014

Boomer Watch: Working With the Elderly In The Long-Term Care Industry

No one really knows how hard it is to deal with a long-term care event unless you go through it. A lot of people often lose their patience when providing care to a senior who is a dependent of long-term care services. Especially when they have to deal with patients suffering from Alzheimer's disease.

Tuesday, October 14, 2014

Boomer Watch: Boomer's Finances - From Your Children To Your Retirement

Not all boomers are focused on themselves, despite challenging years ahead, a lot of boomers are still focused on providing for the needs of their children, particularly education. Financial planning can be very complex, the needs of each boomer is unique so you have to create a plan that will best meet your needs.

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Monday, October 13, 2014

Boomer Watch: Seeking Other Ways to Pay for Long-Term Care Expenses

According to the American Association for Long-Term Care Insurance, only about 51% of applicants qualify in their 50's, 42% in their 60's, and 24% in their 70's. With these statistics, more than half of baby boomers may not be able to qualify for long-term care insurance. Even though the ruling about getting ltci varied depending on the insurance company, there are several conditions that may make it impossible for an individual to quality, especially now that even parental medical history is being considered.

Friday, October 10, 2014

Boomer Watch: Baby Boomers Impacting America's Healthcare System

When the first wave of baby boomers reached retirement, there were lots of speculations on how the boomers are changing America's health care system. Due to the dramatically increasing numbers of aging boomers, and most of them having health issues, there were assumptions that this will stress the government programs like medicaid and medicare because more and more boomers are requiring long-term care services.

Boomer Watch: Knowing Your Long-Term Care Options

As the number of aging baby boomers drastically increases, they develop health conditions that requires long-term care services. In line with this, they have to develop a comprehensive plan to strengthen your retirement strategy, this includes making good decisions about weighing your different options and finding the best choice that matches your needs, preference and situation.

Thursday, October 9, 2014

Boomer Watch: Reblogged - "I Don't See the Silver Tsunami Yet"

A lot of talks about the aging baby boomers, their retirement years and the cost of long-term care are being discussed. Indeed there is a need to worry on who will pay for the baby boomers' long-term care cost. However, it seems that majority of these boomers are not aware of the coming dilemma.

Friday, October 3, 2014

Boomer Watch: Reblogged - Advice for Baby Boomers Facing Long-Term Care Crisis

As baby boomer approaches their senior years, the crisis on aging, retirement, financial, housing, health and long-term care looms. The most difficult issues they are facing is the long-term care crisis, and the financial strain it can cause.  With the number of caregivers growing less every year, and the increasing cost of care, boomers should prepare ways to address these issues in the coming years.

Wednesday, October 1, 2014

Boomer Watch: Reblogged - October is Long-Term Care Planning Month

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There are more reason to celebrate the month of October - it is long-term care planning month which also marks the resident's right  month, Although it is best to plan for long-term care while you are still young, healthy and employed, October is a special time to observe long-term care planning to remind individuals that there is a need to prepare and plan ahead and to encourage people to find ways and develop a comprehensive plan that will address their future long-term care needs.

Friday, September 26, 2014

Boomer Watch: Reblogged - How to Successfully Make a Long-Term Care Insurance Claims

We are all aware that long-term care insurance companies are paying billion dollars of money in ltci claims, which only proves that more and more people are living longer and requiring ltc services. However, we also hear of stories about policy holders not being able to get their claims, having disputes with the insurance companies and taking several months or even years before their benefits starts paying.

Boomer Watch: Baby Boomers, LTC Planning and The ABCs of Long-Term Care Insurance

Topics about baby boomers are usually related to topics about long-term care and long-term care insurance, as these "baby boomers" comes of age, the necessity that they will be needing long-term care services increase, this is evidently the biggest risk in their retirement years.

Wednesday, September 24, 2014

Boomer Watch: Reblogged - Medicaid and Gifting Assets to Protect from Long-Term Care Cost

Long-term care is becoming a hot issue among baby boomers, affordability is the biggest issue. The cost of long-term care services comes with a high price tag so if you want quality care when you want it and where you want it, you must be able to afford it.

Tuesday, September 23, 2014

Monday, September 22, 2014

Boomer Watch: Reverse Mortgage as Long-Term Care Solution

People are living much longer nowadays, and with the crisis of aging dramatically bringing more issues than ever, the cost in maintaining your well-being is the most talked about. The cost of long-term care services is startling, and even though people may want to purchase long-term care insurance, affordability is the main problem.

Thursday, September 18, 2014

Boomer Watch: How to Protect your Bets on Long-Term Care

There are people who understand the significance and importance of having a long-term care insurance to protect them from its devastating effects. But the notion that they may never need is one of the reason why they refuse to buy the product, they think that all the money spent for paying the monthly premium is wasted. 

But then again, why do we need to buy long-term care insurance? Like all any other insurance, the reason you buy them is because you'd rather have the funds available when the need arises than worry about paying premiums for nothing if you don't. The same goes even for home or auto insurance, but ltci is more expensive. 

This is the reason why an option to use your life insurance to pay for long-term care cost was offered to the public. It provides the advantages of having both life and long-term care insurance that when you stayed healthy for the rest of your life and never needed care, you still  get to claim your benefits. 

photo credit: discuss this issue in one of their articles. Although it may sound like a win win situation for most people, a combination product is not always suited for everyone. Read the full article so you can determine the pros and cons.

Tuesday, September 16, 2014

Boomer Watch: Parental Medical History Now Influencing The Long-term Care Insurance Cost

As baby  boomer near the retirement years, another issue they face is the crisis on the increasing cost of long-term care supports and services. We all know about the statistics that 70% of people aged 65 and older will be needing long-term care at some point in their lives.

One of the most viable ways to protect you from the devastating effects of long-term care is through long-term care insurance. However, ltci is one of the most risky product in the market and one of the most ignored. There are lots of issues to be address including underwriting, pricing and risks. It is difficult the price ltci due to its uncertainty and a lot of factors need to be considered.

Policy holders are advised to tailor a coverage based on finances, health and current living situation. You also get to decide if you are going to purchase more or less coverage based on your family's health history.

To date, insurers are starting to rate application based on the medical history of the applicant's parents. Genworth already issued a field bulletin to brokers and agents.

“Currently, diagnostic genetic information that is found in obtained medical records, which has a relationship to an applicant’s risk, may be used in underwriting,” said Ray Dinstel, chief underwriter with Genworth. “Such histories will impact an applicant’s ability to receive the best rate categories.”

So when you are dealing with agents not asking about your parent's medical history, you should be wary of them, because they can now use it against you and make a reason not to pay your claims.

Thursday, September 11, 2014

Boomer Watch: Financial Management Tips for the Sandwich Generation

More and more baby boomers are struggling to find themselves squeezed in the middle of family demands - between aging parents and children. Being squeezed in  this seemingly difficult to deal with task becomes a challenge especially when they are juggling between their careers and caring for parents. Money management becomes a crisis when they have to provide for their parent's long-term care expenses, their children's education and saving for retirement all at once.

This week's featured article tackles on this issue faced by baby boomers in the sandwich generation. It aims to solve the financial dilemma of needing to save for your retirement and providing for the needs of your family

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"Aging parents who need help in paying for their medical bills, children who need financial support in getting started in life, and the need to save for retirement—these are the issues that those in the sandwich generation face.

According to a survey done by Pew Foundation, 15 percent of middle-age adults support their parents and children financially.
If you belong in the sandwich generation, how can you overcome the financial dilemma of needing to save for your future and wanting to help your family? Here are three tips that can help you manage your money better:"

Wednesday, September 10, 2014

Boomer Watch: Are You Afraid to Grow Old?

"Age is just a number", this is an old saying which serves as a good reminder for people, especially baby boomers to be grateful and enjoy life. However, as we age, we become vulnerable to fear - fear brought about by the challenges of aging. The supposedly golden years of our lives becomes a great challenge in today's culture. The act of growing old gives us the notion that we are a day closer to being frail, outliving our savings, to the decline of our health and function and to mortality.

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Bonnie Joffe illustrates a story about the challenges and fears that baby boomers might encounter as they came near to retirement.

"Planning for the  elder years is almost surreal. It’s like revisiting the teenage hood – not really understanding the magnitude of what lies ahead. So how can we reasonbably wrap our heads around the notion of “growing old?” ".... Continue reading

Boomer Watch: Aging in place... Aging Well

Of course we all want to age in place, well and with dignity, but this comes at a price. This is the reason why people keep on saving money for retirement - to be able to maintain the material comfort they had when they were still working. How much are you willing to pay to ensure an enjoyable retirement and aging? It depends on how much we have saved, if we have not set aside adequate money then you might as well be willing to accept the amount of discomfort this can bring.

Aside from financial issues, aging well may also require you and your loved ones to have an open heart and mind to understand the changes that may take place. When an individual age, he/she may become frail and develop illness that can bring emotional and mental changes to them. Their limited physical condition may also bring depression - how do you deal with it?

Patrica Webber disclosed their secrets to a happy and well aging. This is the lesson she learned from her parents and shared it to her readers and followers ..Read the full article

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Tuesday, September 9, 2014

Boomer Watch: Retirement - How Old is too Old to Work?

When you are already in the prime of your life, you are excited thinking about retirement right? The day you have waited for when you can finally ceased from working and spend your golden years enjoying the fruits from long years of labor. Finally, you will start a day in your life where you don't have to worry about deadlines, stress, pressure and meetings.

A lot of people are indeed eager to reach retirement, but when you are finally there, knowing when, and how much it cost might bring financial issues. Therefore, most people in their retirement age are still working and looking for work. It's kinda hard when you are talented, smart and intelligent but seems to have issues finding jobs due to old age. And when you find out that you may run short of retirement savings, you start to panick! So how old is too old to work?

Mcknights discussed this issue in one of its article, they focused on why people delay their retirement so they can add more money to their nest egg. People wants to stay in their jobs much longer but how long can they do that? Read the entire article about it.

Saturday, September 6, 2014

Boomer Watch: Long-Term care and Medicaid Planning

A lot of individuals intentionally impoverished themselves to be able to qualify for medicaid, however, for some people, they prefer medicaid planning to protect their assets. Is this procedure ethical and legal? Would you consider it as engaging in fraudulent behavior so you can have the government pay for your long-term care expenses?

We were able to come across this article from another blogger focusing on medicaid planning and its legality: 

"Medicaid is a welfare program originally created to provide health care to our nation’s poor. Due to the lack of any other program, Medicaid has by default become the long-term care insurance of the middle class. With the help of elder law attorneys, those needing long-term care artificially impoverish themselves in order to qualify and preserve their savings either for their healthy spouse or their children. Is this practice illegal?" ....continue reading

Friday, September 5, 2014

Boomer Watch: Dealing with the Challenges of Aging - Health, Long-term Care and Social Isolation

The US aging population is increasing, and the country is facing potential crisis brought about by increasing number of baby boomers. 10-15 years from now, the rate of people aged 55 years and older will dramatically increase. This is the "silver tsunami" we expected but failed to prepare for it and we are confronted with different challenges. 

One of the challenges the baby boomers have to face is the increasing demand for caregivers as the availability of family caregivers continue to decrease. Not to mention other issues like health and long-term care. 

A collection of the challenges and difficulties people in their prime years face was consolidated and featured in Long Term Care Options. It provides a closer look on other topics such as depression, social isolation and divorce. 

It covers the issues of aging individuals and was consolidated to be featured in the site's Weekly Digest. They have compiled a list of best blogs to provide you with tips and advice on how to deal with the challenges of aging. 

Here's the link to the weekly digest stories: