| QUOTES from
the
Masters... |
| On Positive vs. Negative |
On Preparation |
| "Keep
your face in the sunshine and you can never see the shadow." -- Helen
Keller
"The
pessimist sees difficulty in every opportunity. The optimist sees
the opportunity in every difficulty." -- Winston
Churchill
"People
try to rain on your parade, because they have no parade of their own."
-- Jeffrey Gitomer
"Life,
in all its uniqueness, would not be life without the negatives and the
positives. That is why it is important to be a serious student of both."
-– Jim Rohn
|
"The
secret of success in life is for a man to be ready for his opportunity
when it comes." -- Benjamin Disraeli
"The
ideal attitude is to be physically loose and mentally tight." --
Arthur Ashe
"You
cannot speak that which you do not know. You cannot share that which you
do not feel. You cannot translate that which you do not have. And you cannot
give that which you do not possess. To give it and to share it, and for
it to be effective, you first need to have it. Good communication starts
with good preparation." -- Jim Rohn
|
 |
Evaluating Long-Term Care Insurance |
|
|
In purchasing long-term care
insurance, it is important to select coverage that matches your needs and
preferences. As you evaluate various
policy features and benefits, however, keep in mind that the choices you make
can affect the premiums you pay and the benefits you are entitled to receive.
|
Covered Services
|
What services are covered by
the policy? Does the policy offer
“shared care,” where two people can share the pool of benefits provided by
the policy?
|
|
Benefit Amount
|
What is the daily benefit
amount? Is it payable only while you
are confined to a nursing home, or is a benefit also payable for home health
care and other care alternatives?
Does the policy have a maximum lifetime benefit?
|
|
Benefit Period
|
For how long are benefits
payable? In a nursing home? At home?
For an assisted living facility?
|
|
Elimination Period
|
When do benefits begin? For nursing home care? Home health care? An assisted living facility?
|
|
Maximum Lifetime Benefit
|
Does the policy have a maximum
lifetime benefit? If so, what is it?
|
|
Pre-Existing Conditions
|
Are pre-existing conditions
covered the same as any other conditions?
If not, how long must you wait before they are covered?
|
|
Excluded Conditions
|
Are any conditions, such as
Alzheimer’s Disease, senility or dementia, excluded from coverage?
|
|
Inflation
|
Are benefit amounts adjusted
to reflect increasing long-term care costs?
How?
|
|
Prior Hospital Stay
|
Is a prior hospital stay
required in order to receive benefits?
Are medical certifications required in order to receive benefits?
|
|
Spousal Discount
|
Does the insurance company
offer a discount when both spouses purchase long-term care insurance policies?
|
|
Premiums Waived
|
Are premiums waived after you
begin receiving benefits? When?
|
|
Guaranteed Renewable
|
Can you renew the coverage for
life, so long as you pay the premiums when due?
|
|
Premium Increases
|
Can your premiums be
increased? How often? Under what conditions?
|
Please contact my office if you’re interested in
discussing long-term care insurance.
|
| MESSAGES
from
the Masters... |
SIMPLE COMMUNICATIONS by Zig Ziglar
When I entered the sales world, one of the first things my manager
taught me was to keep my presentation so clear and uncluttered that a
child could understand what I was saying. This advice has had a lasting
impact on my life. I frequently remind my audiences that I speak and
write at the 7th grade, 9th month level. I do this because I've
discovered that at that level virtually everyone can clearly understand
the message.
As my friend, Dr. Steve Franklin, a college professor from Emory
University who taught me this, said, "The great truths in life are the
simple ones. You do not need three moving parts and four syllables for
it to be significant." He then pointed out that "There are only three
pure colors--but look what Michelangelo did with them. There are only
seven notes, but look at what Chopin, Beethoven and Vivaldi did with
them. For that matter, look at what Elvis did with two!"
Most of us prefer things we can understand. Lincoln's Gettysburg
Address is short and clear with nearly 80 percent of the words only one
syllable. "God is love"--three words, all of them one syllable.
Seriously, now, when you ask someone what they had for breakfast, would
you really appreciate it if they responded that they had the "upper
part of a hog's hind leg, with two oval bodies encased in a shell laid
by a female bird?" Or would you prefer to have the person answer, "We
had ham and eggs for breakfast"?
And remember, language changes. At one time we referred to a person who
spread rumors around the office as a "gossip." Now that person is
called an "information specialist."
Personally, I prefer simple, clear, direct communications. I'm
convinced that most people do. Keep your communications "simple," and
I'll SEE YOU AT THE TOP!
|
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