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Some people may argue that long term care insurance isn t necessary in the belief that the government pays for it through medicaid. Nothing could be farther from the truth. Here s why…

What is Medicaid? This is a nationwide health care program. However, it is operated and administered by the states. “Each state decides who is eligible the amount, duration, and scope of services covered rates of payment for providers and methods of administering the program”. It is usually for low-income earners. But it must be said here that this is not the case in every state.

Medicaid requires that you meet your state poverty level before you are entitled to it. You ll pay for long term care if you need it unless you re below your state s poverty level. You ll keep paying out of your own pocket until you get to that level. Then and only then does Medicaid kick in.

To give you an idea of how devastated you d have to be to “benefit” from Medicaid, look at the only things (more...)

In common with the rest of Europe, life expectancy in Britain is increasing. A man can now expect to live to 76.2 years and a woman to 80.7 years. This is wonderful news, but unfortunately we also learn that Britain is not keeping pace with most of Europe in another health aspect.

Healthy life years, as well as life expectancy have been the subject of a recent EU study and the results were based on questionnaires which were completed by some 60,000 householders. The focus of the study was on death, sickness rates and overall health.

We learn that although the average British male can expect to live to 76.2 years of age, he can only expect 61.5 of these years to be free from a disabling condition. This puts us in the unfortunate position of being the fifth unhealthiest group in the EU.

Research into these findings, still at an early stage, has not yet found the reasons for the wide variations across the EU. It seems that as far as cardiovascular disease is concerned, there is an increa (more...)