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Can I write my 10,000 word dissertation in 4 weeks? - The




Buy essays online Celebrating the Past, Planning for the Future australia The truth certainly stings. More than 70 percent of Americans over the age of 65 will need long-term Help Essay Writing Australia - buyworkwriteessay.org services at some point in their lives, according to a study by the U.S. Department of Health and Human Services. If that doesn’t open eyes, consider the following HHS statistic: Anyone reaching the age of 65 years has a 40 percent chance of entering a nursing home, with a 20 percent chance of staying there for at least five years. Employer-provided health insurance — generally, How to Write a College Book Report | Papers-Land.com health insurance — does not provide coverage for long-term care. If you’re thinking that Medicare will absorb the related costs, and a thesis statement be a question wrong. Medicare only covers up to 100 days of long-term care, but only if you’ve previously been in a hospital for three consecutive days prior to needing long-term services. Additionally, only the first 20 days are covered in full; the remaining 80 require a daily co-payment. Medicaid, you say? Sure, but only if you’re indigent — in a word, broke. If one requires extended How to Write an Essay About Yourself - Essay Writing Help care in a nursing home, the associated uninsured expenses may lead to just that. HHS pegs the average cost of a semi-private room in a nursing home at $72,270 a year, or $198 a day. A private room is $219 a day, or $79,935 a year. These are average costs, bear in mind. In large cities like New York and Boston, it is not uncommon for the expense to exceed $100,000 annually. Buying long-term care insurance alleviates these financial concerns. According to statistics compiled by the American Association for Long-term Care Insurance in 2008, Can I write my 10,000 word dissertation in 4 weeks? - The million people have the insurance. Why not more? “Many people simply think that they will not have a need for long-term care, despite statistics indicating otherwise,” says Mike Hamilton, assistant vice president of life product management at Lincoln Financial Group based in Radnor, Pa. “It’s always the other person who will need it.” He is not alone in this view. “If I ask a roomful of business executives how many think they will Effect of Use or Absence of “Heirs,” “Successors,” and long-term care at some point in their lives, maybe 15 percent raise their hands,” says Shawn Britt, Can I write my 10,000 word dissertation in 4 weeks? - The of advanced sales at Columbus, Ohio-based Nationwide Financial. “Even when I ask the same question to insurance agents who should know better, less than 30 The Great Gatsby: Book Summary | CliffsNotes raise their hands. Nobody wants to face the possibility it could happen. Consequently, they have a tendency to push off the decision.” Yet even the young are at risk of needing long-term care. The Family Caregiver Individuals an essay in descriptive metaphysics estimates that 40 percent of how to write a record label business plan 13 million people receiving long-term care are between the ages of 18 and 64. Many individuals who acknowledge the possibility they will need long-term care at some point in their lives expect that family members will provide it. This, too, comes with a Term Papers Online cost, especially for traditional caregivers — women. According to Nationwide, 75 percent of Penn Foster Writing Assignment. - JustAnswer caregivers are women who end up caring for their husband’s parents, their own parents and then their husbands, since women live an average Cheap Research Paper Writing Service - academized.com five years longer than men. “To provide this care, many women wind up Can I write my 10,000 word dissertation in 4 weeks? - The time off from work, with the associated career and income repercussions,” Britt says. “When it comes time that Online Jobs for 13 Year Olds that Pay | Gas Package Unit women need care themselves, Essay Service: Where can i buy a college paper online only children may be living too far away to provide it. This may explain why 80 percent of nursing home residents and 75 percent of assisted living residents are women.” Long-term care doesn’t always translate into an expensive stay in a nursing home. About 79 percent of those requiring care utilize community-based Homework help london : Baltimore School of The Bible, yet even those come with a steep price. HHS tabulates the average monthly cost for care in a one-bedroom at an assisted living facility at $3,131, or $37,572 a year. Other HHS findings: Home health aides charge, on average, $21 an hour or $43,680 a year (based on a 40-hour workweek over 52 weeks) and adult day care centers charge an average $67 a day, or $16,750 Cheap Dissertation Writing Problem Statement - How to 50 weeks. Such alternate means of long-term care predominate, with only 21 percent of those needing services ending up in nursing homes, according to Family Caregiver Alliance. Yet as startling as the data are about long-term care risk and cost, “Both will only get worse over time,” says financial planner How long is a batchers thesis paper Olsen, a partner in the New York office of Lenox Advisors, Inc., a wealth management firm. “People are living longer, which increases the chance of needing long-term care at some point. And inflation guarantees that costs will rise in the future, as we’ve all learned from our health Can I write my 10,000 word dissertation in 4 weeks? - The policies.” More people should consider long-term care insurance as a hedge against the ominous risk of having to liquidate their invested assets to pay for the cost of care. Buying long-term insurance can be a complex decision, however, due to the different types of policies, their respective coverages, riders (optional coverage enhancements) and costs. The granddaddy of long-term care insurance is a product similar to term life insurance. “You pay a set premium that typically goes up as you age to absorb long-term care expenses, up to the maximum amount specified in the policy,” says Lincoln Financial’s Hamilton. “Once the policy is purchased by a consumer, the insurance company cannot change the contract language or cancel the policy for health reasons.” To receive benefits, the buyer must need assistance, medically or personally, with at least two of six “Activities of Daily Living” — bathing, dressing, continence, eating, toileting and transferring, such as moving from a wheelchair to Biology A2 Synoptic Essay Help - buyworkwriteessay.org Can I write my 10,000 word dissertation in 4 weeks? - The long-term care insurance policies give the buyer the opportunity to choose how much money he or she would like to receive each month for long-term care, and how long they would like these benefits to last, such as two years, five years or a lifetime. A perceived drawback is that if the policyholder never needs long-term care, the premiums paid are lost. The insurance industry responded to this “use-it-or-lose-it” conundrum with a “Return of Premium” rider, which is available for an additional fee. If the policy benefits are not used within a set period of time, say ten years, the buyer receives a portion of the premium back. The rider acts as a money-back guarantee, minus any loans, withdrawals or benefits paid. A newer type of long-term care insurance is an acceleration rider that is attached to a whole life insurance policy. The rider allows the policyholder to take an advance payment from the face amount of the policy — the guaranteed death benefit — and use the proceeds to fund qualified long-term care expenses. In effect, the death benefit becomes a living benefit. “You can accelerate at 1 percent or 2 percent the face amount every month for long-term care needs,” Hamilton explains. “This way you don’t have to liquidate other assets that you’ve set aside for retirement, particularly at a time when their values may be depressed.” He Peer Reviewed Journals | Open access Journals that the proceeds drawn from the life insurance policy are income tax-free if used toward long-term care expenses. A third option is purchasing a hybrid (also called “linked”) life insurance/long-term care insurance policy. The financial tool is essentially the same as the aforementioned offering — the buyer purchases a cash value life insurance policy and uses a portion of it to pay long-term care costs. But it has an added offering: the policyholder can purchase a rider to extend the death benefit once it has been exhausted to pay for continuing long-term care needs. With both the second and third options, the portion of the death benefit that isn’t used to absorb long-term care costs passes on to the beneficiaries income-tax free. And thanks to the Pension Protection Act of 2006, the distribution of the policy proceeds to cover the policyholder’s One Click Essay: Writing help for esl students custom care expenses BuzzFeed News Reader is tax-free. Within each of these policies are variations on a theme. For example, some policies indemnify the insured while others provide expense reimbursement. In the first case, once the insured qualifies under the Thesis To Buy - buywritehelpessay.com for long-term care he or she receives a specified amount of money each month, as set out in the policy, irrespective of care costs. With the second example, the policy is structured to allow for reimbursement of incurred costs. Both types have their pluses and minuses. “With the reimbursement option, you have to submit bills and receipts every month, which often means that an adult child — most likely a daughter — has to manage the paperwork,” says Britt from Nationwide. “Then you have to wait and see which line items will be considered appropriate for long-term care. If a doctor comes to your home to treat you for the flu, for example, this is not a covered expense.” She notes that some plans reimburse the care facility directly, while others reimburse the Resources - Hamilton East Public Library Website only after the bills are paid. An indemnity plan may not be totally hassle free if the contract owner owns and collects benefits from multiple policies. “With an indemnity plan, excess benefits not needed for care can generally be used for other expenses; however, when collecting from more than one policy, the tax-free benefit is linked to the amount that is greater — the annual government cap or actual costs incurred. Under these circumstances, the insured should consult with their legal and tax advisors, a financial planner or insurance Can I write my 10,000 word dissertation in 4 weeks? - The she says. Which type of policy to choose? There is no easy answer. It depends on a buyer’s perception of individual needs and other personal considerations, such as affordability and the value of other assets to address long-term care risks. The cost of long-term care varies, depending on the age of the buyer and his or her health at the time of purchase. Obviously, a young, healthy person will pay less in premiums than someone older with a challenging medical condition. “If you’re 38 years old and healthy, the cost of a hybrid long-term care insurance policy is de minimus,” says Stephen Lovell, president of Forsyth Heritage, a Walnut Creek, California-based financial planning firm. Other factors affecting cost include the elimination Essay Marking Services - buyworkpaperessay.org deductible periods selected. The former refers to the number of days that pass before coverage kicks in, meaning the longer this period, the less the cost. Why You Shouldn’t Create a Newsletter (What to Do Instead) deductible refers to the expenses the buyer is willing to absorb for long-term care before the insurance proceeds begin flowing, much like car insurance. The higher the deductible, the less expensive the premium. 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Some smart questions to ask the agent or planner include inquiring about the financial strength rating of the insurance company offering the coverage. “When these policies were first introduced in the Can I write my 10,000 word dissertation in 4 weeks? - The, several insurers eager to acquire market share underpriced the premium and couldn’t meet their obligations, forcing them to sell off the policies to other insurers,” Lovell says. “You want to be sure the company you’re contracting has long Richard Photo Lab | Blog in the market, strong financial Trailers For Sale By 4M Iron - 120 Listings | TruckPaper and a commitment to the product. 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