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Why long-term care insurance falls short for so many

Published Fri, 22 Nov 2024 05:41:36 GMT

Jordan Rau, JoNel Aleccia | (TNS) KFF Health NewsFor 35 years, Angela Jemmott and her five brothers paid premiums on a long-term care insurance policy for their 91-year-old mother. But the policy does not cover home health aides whose assistance allows her to stay in her Sacramento, California, bungalow, near the friends and neighbors she loves. Her family pays $4,000 a month for that.“We want her to stay in her house,” Jemmott said. “That’s what’s probably keeping her alive, because she’s in her element, not in a strange place.”The private insurance market has proved wildly inadequate in providing financial security for most of the millions of older Americans who might need home health aides, assisted living, or other types of assistance with daily living.For decades, the industry severely underestimated how many policyholders would use their coverage, how long they would live, and how much their care would cost.And as Jemmott belatedly discovered, the older generation of plans — t...

Michigan man headed to prison after concealing wife’s death for years

Published Fri, 22 Nov 2024 05:41:36 GMT

A mid-Michigan judge on Tuesday ordered a man to spend two-to-eight years in prison for concealing the death of his wife while continuing to cash her Social Security checks.Terrell Lee York (Isabella County Sheriff’s Office) In handing down the sentence, Isabella County Circuit Judge Mark Duthie told Terrell Lee York that the facts of the case are horrible and that Patricia Marie York’s family and friends should have had the chance to get closure.“A body, after death, should be treated with respect,” Duthie said. “It shouldn’t be stuffed in the freezer like a piece of meat.”Related ArticlesCrime and Public Safety | UC Berkeley chef charged with filming explicit video chat with prepubescent girls Crime and Public Safety | Missing woman was killed by man who had a grudge, Mariposa County sheriff says Crime and Public Safety | California plastic surgeon ‘Dr. Laguna’ faces dozens of claims, from botched procedures to medical negligence ...

A guide to long-term care insurance

Published Fri, 22 Nov 2024 05:41:36 GMT

Jordan Rau, KFF Health News | KFF Health News (TNS)If you’re wealthy, you’ll be able to afford help in your home or care in an assisted living facility or a nursing home. If you’re poor, you can turn to Medicaid for nursing homes or aides at home.But if you’re middle-class, you’ll have a thorny decision to make: whether to buy long-term care insurance.It’s a more complex decision than for other types of insurance because it’s very difficult to accurately predict your finances or health decades into the future.What’s the difference between long-term care insurance and medical insurance?Long-term care insurance is for people who may develop permanent cognitive problems like Alzheimer’s disease or who will need help with basic daily tasks like bathing or dressing. It can help pay for personal aides, adult day care, or institutional housing in an assisted living facility or a nursing home. Medicare does not cover such costs for the chronically ill.How does it work?Policies generally pay...

LEGO Store at San Francisco Centre mall closes

Published Fri, 22 Nov 2024 05:41:36 GMT

SAN FRANCISCO (KRON) -- In the latest retail closure in San Francisco's downtown and Union Square neighborhood, the LEGO Store closed its location at the San Francisco Centre last week, KRON4 has confirmed. A LEGO media spokesperson confirmed the closure but did not specify the reason behind it. 3 Bay Area cities named among CA towns with most holiday spirit "We are always reviewing our store portfolio to ensure that we can provide the best LEGO experience for shoppers and fans," the spokesperson said. "As a result, we recently made the decision to close our LEGO Store in the San Francisco Centre on November 30, 2023."LEGO said it will be providing employees who worked at the store with financial support through the holiday as they look for new jobs. There are three remaining LEGO Stores in the Bay Area, at the Hillside Shopping Center in San Mateo; Stoneridge Mall in Pleasanton, and Westfield Valley Fair in Santa Clara.KRON On is streaming live news now.embed-container { position...

Season’s fleecing: Beware of fake holiday charities

Published Fri, 22 Nov 2024 05:41:36 GMT

The winter holidays typically bring out the best in people, with more giving to charities. But they also bring out the worst, with scammers stealing donations that are intended to help the less fortunate.With Christmas, Hanukkah, and Kwanzaa nearing, the Federal Bureau of Investigation is warning about charity fraud.The FBI suggests giving to established charities or groups whose work you know and trust. Check the charity’s website — most legitimate charity organizations use .org and not .com.The bureau suggests you do some research, including using the Federal Trade Commission’s resources to examine the track record of a charity.If you decide to donate, the FBI said it’s best to use a check or credit card. “If a charity or organization asks you to donate through cash, gift card, virtual currency or wire transfer, it’s probably a scam.”The Federal Trade Commission also has consumer advice about Donating Safely and Avoiding Scams.Be wary of sound-...

Nadal lowering own expectations in ‘unexplored terrain’ when he returns to tour in January

Published Fri, 22 Nov 2024 05:41:36 GMT

MADRID (AP) — Rafael Nadal has lower expectations for when he returns to the tour in January after a year out.Nadal announced on Friday he will play at the Brisbane International in Australia in January. The 37-year-old Spaniard has not appeared on tour since last January, when he hurt his hip flexor during a loss in the second round of the Australian Open. He wound up having arthroscopic surgery in June in Barcelona.Nadal said on Monday in a video on social media that he hopes to again “feel those nerves, that illusion, those fears, those doubts” on the court.“I have been afraid to announce things because in the end it’s a year without competing and it’s a hip operation. But what worries me the most is not the hip, it’s everything else,” he said. “I think I’m ready and I trust and hope that things go well and that it gives me the opportunity to enjoy myself on the court.”Nadal said he knows things may be different after so much time without competing.“I expect from myself not to ex...

Protected: Hospice awareness campaign launched to educate D.C. residents about care benefits

Published Fri, 22 Nov 2024 05:41:36 GMT

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Young Packers ready to show they can handle prosperity after moving into playoff position

Published Fri, 22 Nov 2024 05:41:36 GMT

GREEN BAY, Wis. (AP) — The Green Bay Packers suddenly are facing the type of challenge that would have seemed unthinkable just a few weeks ago.How will the NFL’s youngest team handle prosperity?The Packers’ 27-19 victory over the Kansas City Chiefs on Sunday night gave them three straight victories, the past two coming against division leaders. The Packers (6-6) are in the NFC’s third and final wild-card playoff spot going into Week 14.That’s quite the transformation for a team that lost four straight games earlier this season.“To think we were 2-5?” Packers center Josh Myers said after the game. “Good Lord. This just feels great.”The Packers have made this surge without some of their top veteran players.Cornerback Jaire Alexander has missed four straight games with a shoulder injury. Running back Aaron Jones was out for a second straight week with a knee injury. Left tackle David Bakhtiari played just one game before lingering knee issues knocked him out for the remainder of the se...

Inédito nombramiento en Argentina: fórmula opositora en el gabinete de Milei

Published Fri, 22 Nov 2024 05:41:36 GMT

(CNN Español) — Rumbo a su toma de posesión del 10 de diciembre, Javier Milei sigue confirmando nombres de su eventual primer gabinete. Este lunes desde la oficina del presidente electo informaron que Luis Petri, ex compañero de fórmula presidencial de Patricia Bullrich, será el ministro de Defensa.Un comunicado difundido por X, antes Twitter, dice textualmente: “de esta manera, la fórmula completa de Juntos por el Cambio ha quedado integrada al gobierno de La Libertad Avanza”.Recordemos que luego de duros intercambios y señalamientos durante la campaña, Milei y Bullrich, futura ministra de Seguridad, hicieron las paces y anunciaron su alianza electoral antes del balotaje.Uno por uno, los futuros o posibles ministros y personas clave del Gobierno de Javier MileiA la par de la formación del gabinete ministerial, Milei trabaja en la creación de alianzas políticas que le permitan tener mayor tracción en el congreso, donde su fuerza no tendrá mayoría representativa en ...

What to stream this week: Nicki Minaj’s birthday album, Julia Roberts is in trouble and Monk returns

Published Fri, 22 Nov 2024 05:41:36 GMT

A Nicki Minaj album dropping on her birthday and the return of Tony Shalhoub’s quirky private investigator Adrian Monk with one final case are some of the new television, movies, music and games headed to a device near you.Also among the streaming offerings worth your time as selected by The Associated Press’ entertainment journalists are Julia Roberts starring in the psychological thriller “Leave the World Behind” and the new Britbox miniseries “Archie,” telling the story of how Cary Grant went from humble beginnings to become one of Hollywood’s most dashing leading men.NEW MOVIES TO STREAM— “Mr. Robot” creator Sam Esmail directs Julia Roberts in the new psychological thriller he adapted from Rumaan Alam’s novel for Netflix. In “Leave the World Behind,” An ad executive (Roberts), her college professor husband (Ethan Hawke) and kids (Charlie Evans and Farrah Mackenzie) are spending the weekend in a luxurious rental on Long Island. Late one night two strangers (Mahershala Ali a...