Foreword | p. 7 |
Preface | p. 9 |
Myths | p. 10 |
Is This Guide for You? | p. 11 |
Why Women? | p. 13 |
What Is Long-Term Care? | p. 15 |
Who Pays? | p. 22 |
Who Decides? | p. 24 |
Avoiding a Family Crisis | p. 31 |
15 Medicaid Mistakes to Avoid | p. 34 |
Understanding Medicaid | p. 39 |
What about Medicare? | p. 41 |
The Rules | p. 46 |
Medicaid Questions & Answers | p. 55 |
The Best-Kept Secret in Long-Term Care | p. 64 |
A Special Monthly Pension for Wartime Veterans | p. 64 |
What About Insurance? Long-Term Care Insurance Choices | p. 71 |
Traditional Long-Term Care Insurance | p. 77 |
Tax Treatment of Long-Term Care Insurance | p. 86 |
Partnership Long-Term Care Insurance | p. 92 |
Combination Annuity and Long-Term Care Insurance | p. 96 |
Combination Life Insurance and Long-Term Care Insurance | p. 98 |
Frequently Asked Questions | p. 100 |
Planning Ahead: Three Families | p. 103 |
Family One: Mary Uninsurable | p. 104 |
Family Two: Lois and Clark | p. 107 |
Family Three: Jenny Insurable | p. 110 |
Preventing Elder Financial Abuse | p. 115 |
Tips to Help Prevent Undue Influence | p. 121 |
Checklist: Preventing Elder Financial Abuse | p. 123 |
Summing Up and Getting Assistance | p. 127 |
Appendices | |
Average Annual Cost of Care in 2010 | p. 133 |
Community Spouse Resource Allowance (CSRA) by State 2011 Costs | p. 135 |
MMMNA by State for 2011 | p. 136 |
Monthly Nursing Home Cost Used for Calculating Penalty by State for 2011 | p. 137 |
States with National Long-Term Care Partnership Program | p. 138 |
Little-Known Groups Qualifying for VA Benefits | p. 139 |
Caregiver Resources | p. 141 |
Glossary | p. 164 |
About Harold Lustig CLU, ChFC | p. 181 |
Index | p. 182 |
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