For those of us who work in this narrow but important insurance niche, we wait each year for our assumptions to be validated or tweaked by the annual LTCI survey published by Brokers World. Now in its 22nd year, we find few carriers participating in the “2020 Milliman Long Term Care Insurance Survey.“ Below are
The number of employees working from home in the 60 days from mid-March to mid-May increased from 31% to 65%. And according to a Gallup poll, more than 50% really like it and want to continue working remotely once the COVID-19 pandemic is controlled. Just think … no commute time, fuel expense, parking fees, work
It’s about those you love. Do you put your seat belt on when you get in the car? Most of us don’t even think about it. It’s automatic. And we require everyone riding with us to put theirs on, too. Have you thought that this simple act could be a gift of life? It’s protection
Aging baby boomers are nudging the national median age up by 1.2 years, according to a report released recently by the U.S. Census Bureau. The nation’s 65 and older population grew by 34.2% during the past decade, according to the bureau. The growth was driven by baby boomers who were born between 1946 and 1964.
Sneakers, t-shirts, head bands, belts, leggings, skirts, shirts, shorts, socks. Whatever your style or desire. Wear purple on June 20 in support of Alzheimer’s and Brain Awareness Month. Dementia remains the number one cause of long-term care insurance (LTCI) claims. A major LTCI insurer has reported that two-thirds of new claims for facility care are
Did you ever think that your personality could put you in line for mild cognitive impairment? In a recent study, personality traits such as neuroticism, extraversion, conscientiousness, agreeableness and openness were all linked to pre-dementia conditions called motoric cognitive risk (MCR) and mild cognitive impairment (MCI). Openness reduced risk but neuroticism increased risk. What’s next?
Have you heard the new phrase, “cuddle puddle?” Maybe not. It describes how we might react to physical contact once we can engage socially again. We’ll just be a bunch of cuddle puddles hugging each other. Now some say the continental cheeky kiss will become the norm as it is safer than shaking hands. And
I will always love you No matter what No matter where you go Or what you do “Come to Me,” lyrics written and sung by Celine Dion. It’s May. Once again Mother’s Day reminds us to pause to celebrate how special, caring and forgiving moms are. Mine died eight years ago after more than a
These are uncertain times for all of us Questions about health and the economy are discussed and debated continuously. Not one to cry easily, I have fought back tears recently. Friends dying alone. No way to sit by their hospital beds, hold hands and share precious moments together. Or a final hug or kiss. I
Conventional wisdom Buy low, sell high. Always protect principle. Isn’t that the strategy? A downturn in the market is a temporary thing. Better to think long term than to panic and sell stock at a low during a downturn. In a downturn the assets providing retirement income and the resources to self-fund a long-term care