Free News Articles, Insurance, Long Term Care

When Long-Term Care Insurance Benefits Run Out, What Next? A Trending ‘Partnership’ System Offers a Fix, ACSIA Partners Reports

KIRKLAND, Wash. -- A relatively new species of long-term care policies called Partnership Plans has become widely available and could be a good option for many, according to ACSIA Partners, one of America's largest long-term care insurance agencies.

"It's very good news," says Denise Gott, the company's CEO. "Millions of Americans can breathe a sigh of relief. Now they can get long-term care protection with greater confidence that their needs will be met no matter how long they live."

The Partnership Long-Term Care Insurance Plans have emerged slowly over two decades, state by state, with little fanfare. First only California, New York, Connecticut and Indiana had Partnership plans. And now, they're available in a majority of states. "But most people don't know it," says Gott.

Her company aims to fix that. "Our agents spread the word," she says. "They show how the new plans provide the security we're all looking for, brightening our futures financially and personally by filling the long-term care gap. They also know which insurance carriers in which states have been approved to offer these special plans. Not all have."

What, exactly, are the Partnership Plans?

They are private long-term care insurance policies that let people keep some or all of their assets if they exhaust their policy's benefits and then apply for Medicaid to continue their care.

Established by the Deficit Reduction Act of 2005, the Partnership system empowers any state to set up a Partnership Program, which in turn engages qualifying insurance carriers to craft and offer specific policies. Several leading carriers have already done so.

It works this way:

The Partnership Plans simply ease eligibility for Medicaid, our system for supplying health and long-term care services for those with little or no means. "Anyone can qualify for Medicaid if they're poor enough," says Gott. "But if you own a Partnership Plan, you don't have to be so poor. You can maintain a higher level of wealth and still qualify."

Under a Partnership Plan, the amount of "Medicaid spend-down protection" received is generally equal to the amount of benefits received under one's private Partnership policy. For example, suppose a policy pays out $180,000 of claim benefits, and the person is still alive and still has care needs when the benefits are exhausted. Medicaid can fill those additional needs, but only when the person becomes eligible for Medicaid.

Without a Partnership Plan, that means spending nearly all of one's savings on the cost of care.

Conversely, with a Partnership Plan, eligibility comes sooner, avoiding greater loss of one's assets. A policyholder gets a "Medicaid asset disregard" that allows them to keep an extra $180,000 over the asset level that would otherwise have to be reached for Medicaid eligibility.

"This can make a huge difference," says Gott. "You no longer have to impoverish yourself to get public assistance. Middle-class families can keep solvent and keep productive longer as a result."

Furthermore, "Knowing you've got this backup can give you an extra incentive to protect yourself with LTC insurance in the first place," Gott adds. "That's why Uncle Sam and the states set it up."

"Also," says Gott, "Some people may choose a less expensive policy with more limited benefits, knowing the public backup is there."

To obtain a state-approved Partnership Plan, "you need to take care," says Gott. "Not all of today's long-term care policies fit the category. You need to seek out one of the relatively few approved policies now available."

Information is available from any of Gott's local long-term care agents, serving all parts of the country. They are glad to help anyone explore their long-term care options, including access to insurance carriers that now offer state-approved Partnership Plans.

Requests to speak with a local agent may be submitted here:

ACSIA Partners LLC -- -- serves organizations as well as families. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

* LOGO for media:
* Image Caption: ACSIA Partners logo.

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Free News Articles, General Editorial

Red Blood/Black Ink – A Call to Stop Bloodshed

LOS ANGELES, Calif. -- Remy Lyon announces the release of his “Red Blood/Black Ink” music video directed by Lyon and Marc Spicer (DP of “The Fast and the Furious 7 & 8” and the upcoming "Lights Out"). "Red Blood/Black Ink" is a call to arms after all the tragedies that have been fueled by hatred - Remy Lyon's message is to respond to each other with arms that embrace, not the arms that harm.

The lyrics "Remember to Love, Taught to Hate" remind us that all babies are born with pure love in their hearts, they have to be taught to hate.

In the wake of heart-shattering news #PrayforNice, the age of HASHTAGS #PrayforOrlando #PrayforBrussels #PrayforParis allows people around the world to join together in love and peace.

"Red Blood/Black Ink" was written after the brutal massacre at Charlie Hebdo in Paris last year, which struck close to home for the artist with his family in Paris at that time.

The song was released on Radio France after the carnage in November 2015, and according to the artist, "serves as a wake-up call and reminder that Love from a position of strength is the answer."

Singer/songwriter Remy Lyon is a pacifist trained in martial arts by Shaolin Buddhist monks at a monastery in China. The music video reflects these principles, and was completed after the senseless slayings in Orlando.

Being of French descent, Remy was so devastated by the events in Nice on July 14 that he needed to express his solidarity for the victims with his Black Ink. "Their memory will not be forgotten and their melody will live on" as he declares on the track:
"Spill Black Ink
Spare Red Blood
Kill the Scribe
But the Melody Lives On."

Remy has been blessed to have worked with legendary artists like Lou Reed, and has recruited the help of numerous artists such as guitarist Carl Verheyen of Supertramp for his debut album titled "Eyes of Youth." Learn more:

As a Millennial, Remy says "I see the world in the eyes of our future generations. In their hands and eyes we must place our hopes and prayers for a more harmonious and loving future -- and we must pray for evolution."

Watch "Red Blood/Black Ink"


More information:

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Business, Free News Articles

Aspired Vision Studio of El Paso, Texas is now a Tatt2Away Studio Center

EL PASO, Texas -- Rejuvatek Medical Inc. officially announces the Tatt2Away(R) ( non-laser tattoo removal system is now available for the first time in the greater El Paso area with Aspired Vision Studio's Mike Alqasimmi. The El Paso location has come on board to offer to all its clientele certified tattoo removal as a Tatt2Away Studio Center in the state. Bringing into their high quality of service and products, the all-natural system.

The co-founder of the first annual Star City Tattoo and Arts Expo that was held this last March at the Convention Center in Fort Bliss Mike Alqasimmi commented, "We always look to be on the cutting edge of what is available in tattooing, and we did that with the first expo on a base showcasing the talents of the nationally, and world re-known artists in a family oriented environment." Getting to the Western Texas tattoo public the latest innovations is what Mike does best.

The best way to maintain that reputation for tattooing greatness and if the highest standards in the industry is to always be on the lookout for what is new to the industry and that stands up to the test of time. Recently a system of actually drawing out any color of ink or pigment, no matter the color, through an all-natural process has been developed revolutionizing tattoo removal and has quickly become the new standard of care. This system, called Tatt2Away(R) is sweeping the tattoo nation and Aspired Vision Studio is now offering that to their valued clientele.

"As a trained technician with Tatt2Away," Mike concluded, "We can now offer to our customers the most unique and best way to get the unlimited options for taking care of their unwanted tattoos." As a Tatt2Away Studio Center Aspired Vision Studio can now partially or fully remove that old, faded or just plain unwanted tattoo of yours in El Paso, Texas. They are now scheduling free consultations on how you can best remove that unwanted tattoo you may have through the DEScoverup(TM) process.

More information:

Rejuvatek Medical is placing around the nation Tatt2Away systems offering a limited exclusivity to those tattoo studios that see the opportunity first and act on it. For more information, go to or contact Rejuvatek Medical, Inc. at 855-252-2929 or submit a request form from the web site.

Twitter: @tatt2away

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Business, Free News Articles, Government, Software

Another 23 Counties Across South, Midwest Adopt Simplifile E-Recording

PROVO, Utah -- Simplifile, a leading provider of real estate document collaboration and recording technologies for lenders, settlement agents, and counties, announced it has expanded its e-recording network with the addition of 23 county recording offices across the South and Midwest. The new counties are located in Georgia, Indiana, Kansas, Michigan, Missouri, North Carolina, North Dakota, Ohio, Texas, and Virginia.

"Recording offices all over the nation are embracing e-recording as a means of increasing productivity, speeding up turnaround times and reducing costs," said Paul Clifford, president of Simplifile. "Much of the progress we've made in growing our e-recording network in the South and Midwest can be attributed to the success stories shared by early adopters in these regions. We expect to see many more counties in these areas join their peers before the year is out."

Newly added counties include:
Banks County, Ga.
Catoosa County, Ga.
Dade County, Ga.
Washington County, Ga.
Cass County, Ind.
Martin County, Ind.
Parke County, Ind.
Cloud County, Kan.
Norton County, Kan.
Republic County, Kan.
Alpena County, Mich.
Crawford County, Mo.
Mercer County, Mo.
Morgan County, Mo.
Sullivan County, Mo.
Macon County, N.C.
Madison County, N.C.
Montgomery County, N.C.
Perquimans County, N.C.
Dunn County, N.D.
Greene County, Ohio
Comal County, Texas
James City County (Williamsburg), Va.

Settlement service providers in these jurisdictions can now submit scanned documents directly to the county recording office using Simplifile's secure, web-based e-recording service. The county recorder can review, stamp, record, and return the documents to the settlement service provider electronically - all within minutes. Recording fees and associated payments can also be processed securely through the Simplifile service, reducing payment errors and eliminating costs associated with check-based payments.

More than 1,450 county recording offices throughout the United States now record deeds, mortgages and other documents electronically using Simplifile. For a comprehensive list of all jurisdictions currently e-recording with Simplifile, visit

About Simplifile:

Simplifile, the nation's largest e-recording network, was founded in 2000 to connect settlement agents and county recorders via its e-recording service. Today Simplifile has broadened its services to include collaboration tools and post-closing visibility for mortgage lenders and settlement agents working together on real estate documents. Through Simplifile, users can securely record, share, and track documents, data, and fees with ease.

To learn more, visit or call 800-460-5657.

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Free News Articles, Insurance, Long Term Care

Shopping for Long Term Care Insurance Easy — Plans Affordable

CHICAGO, Ill. -- More people than ever are looking at ways to safeguard their future retirement income from the financial costs and burdens of Long Term Health Care, says Matt McCann, a nationally known expert on Long Term Care Planning. These costs can have a dramatic impact on a person's 401(k), 403(b), IRA and other assets.

Many experts recommend Long Term Care Insurance as a way to protect a family's assets and ease the burden on loved ones.

"Some people feel frustrated on how to find the right plan and design it correctly," said McCann.

McCann says shopping for the right plan can be very easy if you find the right expert to guide you with recommendations based on your individual situation.

"Unfortunately not many insurance agents or financial advisors understand how these plans work or how they are underwritten. They just do not have the experience. The good news is there are LTC specialists that exist that, like myself, help people throughout the country find affordable plans so they can have the peace-of-mind that the consequences of an extended care situation will be lessened on their family," McCann said.

The risk of needing LTC is high and so are the costs. The US Department of Health and Human Services says if you reach the age of 65 you will have a 70 percent chance of needing some type of LTC service before you die. The better health you have now the longer you will live.

"People require LTC due to illnesses, accidents or the impact of aging. As we live longer more of us will suffer from memory issues. The Alzheimer's Association says 1 in 3 seniors will die with some form of Alzheimer's or dementia. In 2015, more than 15 million caregivers provided an estimated 18.1 billion hours of unpaid care. When people don't plan ahead with affordable LTC Insurance the burden of caregiving is placed on a person's family and their wallets," McCann explained.

"Cost of care can vary depending on location. A LTC Specialist will ask you about your retirement plans and make recommendations based on where you live or plan on living, how your future retirement will be financed, your health history, your family history and other concerns you may have. A real specialist will work with all the top insurance companies and design an affordable plan based on your situation," said McCann.

Most states have partnership plans that provide additional dollar-for-dollar asset protection - or what is referred to as asset disregard.

"My philosophy is to make a catastrophic situation manageable so you can address the physical, emotional and financial burdens that LTC places on the American family. Most people I speak with are in their 40's and 50's and want to add affordable LTC insurance as part of their retirement plan," McCann noted.

He says a good plan will also allow adult children to be loving and supporting and not start fighting about who is doing what and how much money is being spent.

Less people are willing to risk 'self-insuring' these costs because of the high cost of care and the market fluctuations like we saw just recently in the aftermath of Brexit and other world events. He notes that most plans include provide discounts and case management which make it easier on family members.

You can Visit Matt McCann's website for information on LTC Planning including quotes and personal consultations:

McCann also uses a number of other websites as outstanding resources:

LTC Planning News is an outstanding resource that has articles, links, and videos on LTC Planning:

The US Department of Health & Human Services LTC site:

The American Association for Long Term Care Insurance (AALTCI):

"Don't just let things happen and place the burden of caregiving on your spouse or adult children. LTC insurance is affordable and easy," McCann said.

You can call McCann's office at 866-751-7957. His email is:

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Free News Articles, Software

Evolve Bank & Trust Selects ReverseVision Exchange (RVX) Loan Origination Software

SAN DIEGO, Calif. -- ReverseVision is pleased to announce that Memphis, Tennessee-based Evolve Bank & Trust (Evolve), a full-service commercial bank and mortgage lender serving customers and communities nationwide, has selected RV Exchange (RVX) reverse mortgage loan origination software (LOS).

Evolve's reverse mortgage division is co-managed under the guidance of David Brindley and Steven Rosenberg. "We're proud to offer Evolve Bank & Trust customers a distinctive selection of mortgage products to address all their financial needs," said Brindley. "Adding home-equity conversion mortgage, or 'HECM,' loans to the mix allows us to better serve the needs of the growing number of Baby Boomers who are planning for retirement."

"Evolve is the ideal choice for homeowners considering a reverse mortgage," said Rosenberg. "Borrowers can feel confident in the quality of our loan products, and they know they'll receive the same exceptional service we've been delivering to our customers for over 90 years."

Evolve selected RVX as its reverse mortgage LOS because of the ease of use and ability to support the entire lifecycle of the HECM loan. "ReverseVision Exchange was easy to integrate into our model. It allows us to issue our own closing documents, pay mortgage insurance premiums, schedule and conduct closings - you name it, we can do it on RVX. From origination to the secondary market, it's the best system to enhance our growth and implement our marketing strategies," said Brindley.

RVX is San Diego, California-based ReverseVision's flagship product. The LOS serves as a centralized exchange, connecting all participants in the lifecycle of a reverse mortgage by allowing them to log in to a single system to share documents and information for each part of the loan process.

"We are delighted to partner with Evolve Bank & Trust as they continue to help more seniors access this unique home-equity solution," said ReverseVision Vice President of Sales and Marketing Wendy Peel.

RVX encompasses everything from point-of-sale, processing, underwriting, funding and post-closing to secondary marketing. This central exchange model is unique in the mortgage industry and offers benefits to all parties that include reduced document errors, heightened information security and shorter fulfillment timelines.

About Evolve Bank & Trust:

Established in 1925, Evolve Bank & Trust specializes in delivering personalized relationship-based banking and mortgage services. Evolve is a nationwide Preferred SBA lender and also offers trust and fiduciary services, physician lending and equipment finance to its customers throughout the United States. The bank offers a wide array of competitively priced loan and deposit products and services and is actively involved in helping its communities grow. Evolve Bancorp, Inc. is the Arkansas-based holding company of Evolve Bank & Trust.

For more information, visit

About ReverseVision:

Recognized as a Deloitte's 2015 Technology Fast 500(TM) Company, ReverseVision, Inc. is the leading software and technology provider for the reverse mortgage industry, offering products and services focused exclusively on reverse mortgages. More reverse mortgages are originated monthly using ReverseVision technology than all other reverse mortgage LOS combined. ReverseVision has partnered with some of the finest and fastest-growing lending organizations in the U.S. to provide the leading reverse mortgage technology to brokers, correspondents, lenders and investors.

ReverseVision is recognized as a driving innovator in the reverse mortgage industry. ReverseVision continues to improve its software with frequent new innovations and by building on pioneering capabilities in reverse mortgage interactive graphs, scenario analysis, multi-environment performance analysis and workflow in the origination process.

For more information, visit

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Business, Environment and Ecology, Free News Articles, Manufacturing

Destruction of Ozone Depleting Methyl Bromide used for Imports and Exports

MARLTON, N.J. -- Value Recovery, Inc. (VR), a company supplying emission controls to the fumigation industry, announced today that it achieved an unprecedented milestone for controlling methyl bromide used to kill invasive insects hitchhiking on imported and exported goods.

VR's systems installed in commercial facilities in Florida and California have destroyed over 70,000 lbs. of methyl bromide emissions used in over 1,000 fumigations. The two-stage system uses a thiosulfate scrubber that chemically destroys over 94% of the methyl bromide collected. This destruction efficiency was validated independently via a California state sanctioned source test. VR's patented process converts this hazardous pollutant into non-hazardous byproducts for easy disposal.

VR has given presentations to Atlantic states where fumigations using large volumes of methyl bromide are vented directly to the atmosphere. The most glaring example that could benefit from emissions controls is the 160,000 lbs/yr being vented at a New Jersey port. Detailed information given to the New Jersey Department of Environmental Protection (NJDEP) on April 4 showed that VR's systems are technically and economically feasible. From the NJDEPs own requirements, "technical and economic feasibility" is the major criteria needed to require emissions controls. The State of New Jersey and the fumigator are in active discussion on permitting issues.

The Clean Air Act does not list methyl bromide emissions from fumigations as a major source of hazardous air pollutants, even though millions of pounds of it are vented every year. If fumigation were listed as a major source category by the US EPA as required by the Clean Air Act, then there would be Federal enforcement requiring evaluating emissions controls as fumigation permits come up for renewal and most of this direct venting of hazardous air pollution would end.

The National Association of Clean Air Agencies, a consortium of over 40 state air pollution agencies, has declared in their recent letter to the US EPA, that leaving this issue to the states results in an uneven playing field where fumigators can move to more pollution-friendly states thus avoiding emissions controls.

The Montreal Protocol was set up to eliminate ozone destroying chemicals like methyl bromide from reaching the atmosphere. The resultant "ozone hole" is a major concern because of its ability to let UV light from the sun reach us resulting in increased incidences of skin cancer. However, the Montreal Protocol does not require methyl bromide to be phased out for imports and exports. Total worldwide emissions in 2014 for imports and exports was 24 million lbs of methyl bromide of which over 10 million lbs came from the United States (Source: United Nations Ozone Secretariat website).

Says Peter Joyce, President of Value Recovery, "The hole in the Clean Air Act is contributing to the hole in the ozone layer. There is no logical reason that this direct venting of methyl bromide should be allowed to continue."

More information:


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Free News Articles, NonProfit and Charities

Mission Music to give the gift of music to children in Philadelphia

PINE HILL, N.J. -- Mission Music, a nonprofit agency that provides underserved youth with access to musical instruments and lessons regardless of their ability to pay, is donating a half dozen acoustic guitars to The Village of Arts and Humanities in Philadelphia, Pa., at 9 a.m. on Thursday, July 14.

Michael O'Bryan, program manager at The Village Of Arts and Humanities, contacted Zach Greer and Skeeter Seifert - founders of Mission Music - asking for guitars for the underserved children who attend The Village's free summer camps in North Central Philly.

Greer and Seifert rallied together to collect as many guitars as possible, and, on Thursday, will deliver at least six acoustic guitars to The Village of Arts and Humanities.

"We're excited about the partnership because it helps us expand past the South Jersey region," Greer said. "Originally, we had seen our services being within South Jersey, but that quickly expanded. We have actually shipped instruments as far as Tennessee. Now, as we focus on building in the Tri-state area, we can see our reach expanding nationally as we continue to grow. Partnerships like these are vital to our growth, as they help us reach an audience we may not have been able to tap into otherwise."

Mission Music is a nonprofit 501(c)(3) organization that provides free musical instruments and lessons to children. Mission Music is completely funded by the generosity of its supporters through instrument donations and financial contributions.

For more information about The Village of Arts and Humanities in Philadelphia, visit

For more information about Mission Music, visit, find them on Facebook at, and follow them on Twitter and Instagram @missionmusicnj.

Contact Zach Greer at or call 856-553-3435.

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Free News Articles, Software

EaseUS is Now Rolling out New Data Recovery Wizard 10.5

CHENGDU, China -- EaseUS officially launches Data Recovery Wizard 10.5 for this summer; a major upgrade in data recovery efficiency and recovery rate. EaseUS data recovery software to get everything lost back involves less effort and rescues all lost data fast as it is supposed to be. Newly customized Russian and Norwegian edition caters to local data recovery practices in both regions.

EaseUS Data Recovery Wizard 10.5 offers such familiar features as the ability to recover anything like deleted files, photos, videos, audios and lost emails fast and safely from Windows platform. Security is of course the focus of data recovery software, but still an emphasis on restoring capability to rescue all lost files with high efficiency.

EaseUS, a world-leading company in data safety and disk management fields, found in a survey that about 63 percent of respondents feedback described their data loss experience during recent three months for different reasons ranging from accidental deletion to formatted hard drive, partition loss, RAW hard drive, virus attack, operating system crash or undiscovered error.

Data loss occurrence is very common in the digital age. EaseUS data recovery program deals with different loss situation even when hard drive where important data is stored fails and becomes unformatted or namely RAW status. The 10.5 version detects any lost files precisely in more various types greatly that ever before, especially for video and audio files.

EaseUS data recovery software conducts lost data search by running quick and further deep scanning on every selected hard drive. After all lost files have been retrieved, it's much more clear to preview recoverable files and then move forward to recover. As for severe data loss cases, like formatted partition or partition loss, information stored on such disk can also be found and restored as long as disk partitions haven't been overwritten. Nevertheless, it may take little longer time to scan thoroughly.

EaseUS Data Recovery Wizard 10.5 is available now at:

About EaseUS Software:

EaseUS provides professional IT solutions for home, education and SMB users, service providers in data recovery, backup, system optimization and partition manager on both Windows and Mac platforms. Founded in 2004, EaseUS has established itself as a fast-growing international company with over 100 million wonderful users in the world.

For more information, please visit

"EaseUS" is registered trademark of CHENGDU Yiwo Tech Development Co., Ltd."

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Business, Free News Articles, Software

Remo MORE to Make its Parental Control Solution Highly Reliable and Secure

BANGALORE, India -- Remo Software, a consumer software company providing tools to protect & manage data and devices, announces that its flagship product for home device management and parental control - Remo MORE - is now completely deployed on the Microsoft Azure cloud platform, increasing the availability, scalability & security of this advanced solution.

A recent study says 61 percent of kids who are using smart devices are not monitored by any parental control software. Remo MORE is designed to help households take better control of their connected lives with advanced parental control, device protection and location tracking. In the near future Remo MORE plans to integrate with several other IoT devices which are apt for family safety.

"Since Remo MORE is a device management & parental control solution for consumers (home users), the infrastructure demands high availability and accurate processing of requests coming in from several million devices so deploying on Microsoft Azure helps future proof our solution," said Omer Faiyaz, CEO, Remo Software.

Remo MORE users can have complete access of their kids' devices, and can remotely control them from a single dashboard. Users can remotely block specific apps or websites; they can even lock down kids' device completely and these features can also be configured to run on scheduled time intervals, thereby empowering parents to control abuse & over usage of smart devices.

Remo MORE includes:
* Parental Control
* Location Tracking
* Theft Protection
* Device Maintenance
* Multi Device Management.

"Using Microsoft Azure, Remo MORE can now take advantage of a robust infrastructure that scales as the user base grows," said Nicole Herskowitz, senior director of product marketing, Microsoft Azure, Microsoft Corp. "We are excited to see Remo MORE deliver multi-platform supported by Microsoft Azure to give parents more control."

About Remo Software:
Founded in 2011, Remo Software - a Microsoft Gold Partner, develops software to make technology easy for non-tech users. The company started off as a consumer software provider of data recovery & repair tools and later launched its flagship product Remo MORE - a parental control, location tracking and multi-device management solution for home users first at the CES, Las Vegas 2014. This model is poised to reshape the way users control, monitor and manage smart devices.

For more information, please visit:


Media Contact Person:
John Harris
Remo Software

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