Preparing for Tomorrow Today
According to Genworth Financial, one of the leading long-term care insurance providers, the cost of long-term care has risen steadily over the past 13 years, and it shows no signs of slowing down. Most people associate the phrase “long-term care” with nursing homes, but there is a wide variety of long-term care options. When planning for the future, factoring in the potential cost of long-term care makes a huge difference. When you’re healthy, it’s easy to overlook the fact that you could, one day, become ill or incapacitated. Not considering the possibility, though, can wreak havoc on your savings. Genworth’s Cost of Care survey identified five main styles of long-term care: homemaker services, home health aide services, adult day health care, assisted living facilities, and nursing home care. The prices of all five categories have increased over the past five years. Because of this growth, when you plan for long-term care, you need to assume prices will continue to rise. Even with the steady escalation of long-term care costs, you still have a variety of payment options at your disposal. It’s important to note that Medicare does not pay for long-term care. There is long-term care insurance, but it can be pricey. In Michigan, you can use Medicaid planning to protect your assets. The Rising Cost of Long-Term Care
At the same time, you can qualify for benefits to pay for care. Veterans and spouses of veterans also have specific benefits available to them.
Paying for long-term care is a complex, stressful process. Without a qualified attorney with experience planning for the possibility of long-term care, you may end up in a situation where your assets and savings are in jeopardy. Falling ill or suffering a serious injury is dismaying enough as it is. The last thing you need is to couple this distress with financial insecurity. Proactive planning while you’re healthy is the best way to ensure that you’ll have access to the long-term care option of your choice.
DAD’S WHISKEY BURGER Chris’ Paleo Corner:
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Celebrate Dad all month long with a burger he’s sure to love!
INGREDIENTS:
DIRECTIONS: • 4 (6–6 ½ ounce) hamburger patties • ¼ cup whiskey • 3 garlic cloves, chopped • 4 strips bacon • 8 thick slices American cheese 1. Cook bacon until crisp. Remove and cool. Reserve 2 tablespoons bacon fat. 2. In a large skillet, combine olive oil and bacon fat, then add onions. Cook over low heat. Add salt and turn onions often for 30–40 minutes until caramelized.
• 2 large Vidalia onions, peeled, cut in half, and thinly sliced • 2 tablespoons olive oil • 2 tablespoons reserved bacon fat • 1 teaspoon salt • 4 hamburger buns (optional) 15 minutes, then flip and marinate another 15 minutes. 4. Grill burgers over medium-high heat until cooked to desired doneness. 5. Add two slices of cheese to each burger in the last minute of grilling. 6. Put hamburgers on buns, then top with a large spoonful of caramelized onions. Top with bacon.
Deborah Barone
Bryan Bradford
Rick Solecki
Danielle Villani
3. Place whiskey and chopped
garlic in a shallow dish and add hamburger patties. Marinate for
Recipe inspired by Mantitlement.com.
888-390-4360 • 3
Plan. Protect. Preserve.
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