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Get In The Know...How are rates for long term care insurance calculated?
How to Financially Prepare for Living Too Long
Spinach Feta Quiche!
Get in the Know



How are rates for long term care insurance calculated?

Long-term care insurance rates are determined by six main factors: the person's age, the daily (or monthly) benefit, how long the benefits pay, the elimination period, inflation protection, and the health rating (preferred, standard, sub-standard). Most companies will offer couples and multi-life discounts on individual policies.

 

Some companies define "couples" not only to spouses, but also to two people who meet criteria for living together in a committed relationship and sharing basic living expenses.  For more information on Long-term care insurance, contact a licensed insurance agent.


Spinach Feta Quiche!  




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                                            May, 2011/Volume 5   

Greetings!  

This month our guest author is addressing the issue of long-term care insurance.  For those of you who already have this in place, congratulations.  For the rest of you, I hope you take a serious look at the cost of long-term care in relation to your financial picture and do some planning.  Most of us do not have the resources to support ourselves if we need assistance with our care.  Whether it is caregivers in the home, an assisted living facility or a residential group home, the cost of care is high.  Long-term care insurance is one way to help make that cost more manageable.


I hope you enjoy this issue of Desert Gazette, Desert Care Management's newsletter. We welcome any comments or suggestions you may have, as we strive to make this publication a resource for our friends, families and colleagues.

Heather
 
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How to Financially Prepare for Living Too Long 
Provided by Melissa Ahearn, Northwestern Long Term Care Insurance Company  

 

If you ask people, many of them will tell you that they are not afraid of dying so much as they may be afraid of living too long.  No one looks forward to the time when you are very much alive, but cannot care for yourself.  When that time comes, your ability to live as good a life as physically possible will depend on what preparations you make today.  Exercise, eat right, stay mentally fit and financially prepared.

 

People are living longer, which dramatically increases the odds of developing a chronic illness that could require on-going care. The U.S. Department of Health and Human Services reports that people who reach age 65 will have a 70 percent chance of needing nursing home level of care. When the day comes that you are unable to do such basic things as dress yourself, get in and out of bed, eat a meal or go to the bathroom alone, you need to be prepared for the costs of paying professional caregivers for the help you need.

 

As health care costs escalate, an increasing number of people are protecting themselves by purchasing long-term care insurance, which typically covers some or all of the costs of care associated with a chronic illness such as Alzheimer's disease.  And today, those costs can be overwhelming.2 Though Medicare does cover skilled care for acute conditions such as heart attacks and broken bones, in general, it does not cover the custodial care required for chronic medical conditions.

 

How to Protect Yourself on page 2, click here to continue.

  
Spinach Feta Quiche!  
 
 

 Ingredients

1 box frozen chopped leaf spinach

1 medium yellow onion (diced)

2 or 3 clove garlic (minced or pressed)

2 tablespoon butter (the amount of butter and olive oil can be cut down if you prefer)

2 tablespoon olive oil

8 ounce feta cheese

3 eggs

2 egg yolks

1 cup heavy cream (or whole milk)

nutmeg to taste

salt & petter to taste

1 9" unbaked pie crust

 

Preparation Steps

For the Spinach and Feta Filling and Quiche Assembly:

-Preheat the oven to 375 degrees f.

-Thaw and drain the spinach until it is as dry as you can get it. You may want to chop it up a bit more.

-Heat the olive oil and butter over medium heat until the butter is melted and bubbly.

-Sweat the onion and garlic in the olive oil mixture until the onions are translucent (enjoy the wonderful smell of cooking garlic and onion while doing this. Yum).

-Add the spinach to this mixture and continue cooking until the spinach is heated through. Remove from the heat.

-Crumble the feta into the spinach mixture and mix together. Set aside to cool.

-Beat together the eggs, yolks and cream. Add a little grate of nutmeg, fresh ground pepper and a pinch of salt (you won't need too much salt, as the feta is rather salty). Pour this mixture over the spinach/feta mix in the pie shell and mix together with your hands (or a spoon if you would rather not get your hands into this) carefully so as not to puncture the crust.

-Bake for about 45-60 minutes, or until a lovely brown on top and the eggs have set up.

 

"I make this for a special treat for my family.  I hope you enjoy it as much as we do!" - Heather

 

Care Services
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480-804-7200  
 
Care Staff 

Heather Frenette - RN, MSN, Certified Care Manager