Free News Articles, General Editorial, Insurance, Long Term Care

A Prime Time to Plan for Long-Term Care Is After Arranging It for Someone Else, says ACSIA Partners

KIRKLAND, Wash. -- Have you been called upon to arrange care for an aging parent or other loved one? If so, "it can be a blessing in disguise," says Denise Gott, CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies. "It can inspire you to plan ahead for your own care, without delay."

"In our experience," Gott says, "most Americans plan for their own care late in the game, when affordable insurance is no longer an option. But it doesn't have to be that way."

According to industry estimates, only about 10 percent of those who could benefit from LTC insurance have policies. Why? "The main reason is that busy younger people are preoccupied with family and career. Their future care needs just aren't a priority, so they put off thinking about it," Gott explains.

However, when they're called upon to plan care for someone else, they're forced to think about it. "The experience can be eye-opening and motivational. At a visceral level, they see and feel the need to plan for themselves. The trick is to act before the feeling fades."

Helping someone else secure long-term care generally happens in one's 40's, 50's or 60's, an opportune time for appreciating two vital facts:

(1) The majority of older people eventually need help with basic tasks of everyday existence. These include "activities of daily living" (ADLs) such as bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence, and eating.

And these tasks also include "instrumental activities of daily living" (IADLs) such as housework, managing money, taking medication, preparing and cleaning up after meals, shopping for groceries or clothes, using the telephone or other communication devices, caring for pets, and responding to emergency alerts such as fire alarms.

(2) Care options and costs vary widely. Long-term care may be supplied by family members and/or paid professionals. Family members generally charge nothing, but if helping out impacts their jobs, their lost income may run into the tens of thousands.

Care services supplied by professionals fall into four main categories (average national costs per year shown in parentheses):
* Adult day health care ($17,680),
* Home health care ($45,760),
* Assisted living facility care ($43,539), and
* Nursing home care ($82,125 for semi-private room).
(Data from the Genworth Cost of Care Survey.)

"When you help Mom or Dad get care, these facts become crystal clear," says Gott. "You see what a difference early action can make."

LTC insurance or another funding instrument can -
* Assure you're protected at a lower rate than older, less healthy applicants.
* Protect your retirement assets.
* Give you greater control over your lifestyle when receiving care (staying in your own home versus a facility, for example).
* Put less of a burden on family members.

"We have state-certified agents throughout the U.S.," says Gott. "They are glad to walk anyone through these options, in person or by phone."

ACSIA Partners LLC -- https://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance agencies serving all states.

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Business, Free News Articles, Hospitals and Nursing, Long Term Care

Reception at Cocoon Homecare in support of Council Member Donovan Richards

JAMAICA, N.Y. -- This past Wednesday evening, a crowd gathered at a reception at Cocoon Homecare in Jamaica to show their support for Council Member Donovan Richards. Also notably present was Community Board 12 Chairwoman Adrienne Adams who just clinched the democratic primary for the District 28 City Council seat and is well positioned to win the seat in the general election in November.

The synergy and shared vision between Cocoon Homecare and Council Member Donovan Richards and Chairwoman Adrienne Adams was clearly apparent throughout the event. Event Host and CEO Hillel Adelman of Cocoon Homecare spoke with feeling about the true compassion that Council Member Donovan Richards has for the constituents he so devotedly serves.

Local Rabbi, Rabbi Eliezer Feuer spoke about the sacrifice of serving the public that Council Member Donovan Richards and Chairwoman Adrienne Adams have so passionately embraced. Council Member Donovan Richards spoke of the growing need for home care and the critical role that Cocoon Homecare had to play in the health of the residents that he serves.

Council Member Donovan Richards praised the dedication and commitment he saw in the Cocoon Homecare team and went on to say that he looked forward to working with Cocoon Homecare to enhance the lives of our community residents together.

Chairwoman Adrienne Adams was the closing speaker of the night and said she very much wanted to work with Cocoon Homecare to serve and support the community. She inspired the Cocoon Homecare team and highlighted the significance of their work when she said "With one phone call you can change the world. With one phone call you can save someone's life."

About Cocoon Homecare:

Cocoon Homecare empowers individuals and their caregivers. You can receive the care you need from someone you care about and they can get paid. We can help ensure you are cared for by someone you trust. If you are already providing care for a family member, friend or neighbor or you would like to - Cocoon Homecare can help.

Founded in 2016, Cocoon Homecare is a fast-growing, customer focused home care company with a strong and agile technology infrastructure and is located in Jamaica, NY.

Event Image Links:
https://cocoonhc.egnyte.com/dl/YKA1loB6XH/1.jpg_
https://cocoonhc.egnyte.com/dl/1C5CpAaKxY/2.jpg_
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More information about Cocoon Homecare:
https://cocoonhc.com

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Construction and Building, Free News Articles, Long Term Care

Energy Optimizers, USA, secures PACE funding for new long-term care facility

TIPP CITY, Ohio -- When it opens in late 2017, the Livingston Health Care & Rehabilitation Center in Washington Township will be the first project in Ohio to install solar energy using PACE funding, an investment made possible with coordination from Energy Optimizers, USA.

PACE, or Property Assessed Clean Energy, funding enables property owners to pay for energy efficiency improvements to their properties and renewable energy installations by borrowing money through government loans or bonds. Funds can be used for new development or existing facilities.

"The PACE funding is notable because it has enabled owner Premier Healthcare Management to invest in more energy conservation measures than they might otherwise have, which will hold down immediate costs while delivering a tremendous payback over the long term," said Greg Smith, president and CEO of Energy Optimizers, USA. "The company can expect about 30 years of operation from solar panels that will be paid off in just 10 years. That's an incredibly cost-effective investment."

The $20 million long-term care facility, currently well into construction, will replace an outdated building on a land-locked site in Dayton. Both solar photovoltaic and solar thermal energy will be part of a $3.1 million package of PACE-funded energy efficiency features. The 150-kW solar installation will run up to 20 percent of the facility's electrical load, and the solar thermal will dramatically slash the costs associated with traditional hot water heaters. Both technologies are currently being installed at the site.

Other energy-efficient features include LED lighting, high efficiency HVAC systems, and thicker walls for more insulation. All of the components will work together to conserve energy and keep utility costs in check for the 100,000 square foot facility.

Energy Optimizers, USA, worked with Premier Healthcare Management to identify potential energy management solutions and apply for the PACE funding. The company will also assess and validate all energy savings associated with the project.

Financing for the Livingston project will be provided through the Dayton-Montgomery County Port Authority and the Dayton Regional Energy Special Improvement District, Inc.

"We saw this as an excellent opportunity to contribute to a project that promises to anchor growth in the area while conserving resources and operating with greater efficiency," said Jerry Brunswick, president of the Dayton-Montgomery County Port Authority. "We hope it will spark more interest in both economic development and energy conservation in the area."

About Energy Optimizers, USA:

Energy Optimizers, USA works with educational, governmental, commercial and industrial customers to implement energy savings opportunities to reduce operational costs, including lighting retrofits, renewable energy projects (wind and solar), HVAC retrofit projects, building automation retrofits and energy education programs. The company was named to the INC. Magazine Top 500 list of fastest growing companies in the U.S. (2014), was named the Fastest Growing Company in the region for two consecutive years by the Dayton Business Journal (2013, 2014), and was named a finalist in the Dayton Business Journal Best Places To Work competition in 2016.

To learn more about Energy Optimizers, USA, visit their website at http://energyoptusa.com or call them at (937) 877-1919.

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Free News Articles, General Editorial, Insurance, Long Term Care

More Than Two Thirds of Americans Not Prepared for Disability

OKLAHOMA CITY, Okla. -- The average American Fidelity Assurance Company long-term disability is nearly three years. Even though one in five adults experiences a long-term disability, most Americans are ill-prepared to cover expenses if they are unable to work (note 1). The average American could not cover a $400 emergency without selling some of their possessions and 69 percent have less than $1,000 in savings (notes 2, 3).

According to the Bureau of Labor Statistics, median weekly earnings of full-time workers in the U.S. in the fourth quarter of 2016 were $849 (note 4). Based on that weekly earning amount, workers would need $132,444 in savings to cover the lost income from the average long-term disability claim length of three years. On top of that, they would need funds to cover any medical expenses not covered by major medical insurance and their co-pay and/or deductible.

American Fidelity provides Disability Income Insurance to help protect Customers if they can't work due to a covered injury or sickness. It provides steady benefits to cover expenses, paying a percentage of the Customer's gross monthly earnings. American Fidelity provides disability insurance and many other supplemental benefits through employers in the education, municipal, auto and healthcare industries.

One teacher recently learned of the benefits of Disability Income Insurance as she prepared for surgery. "I was so surprised to find that my benefits would cover my extended recuperation even though it was summer time. Teachers don't take the summer 'off,' as they have mandatory trainings, planning sessions and continuing education classes. Unfortunately, my medical condition was going to make me ineligible for these salary earning opportunities. Having surgery is very stressful. The fact that I did not face financial worries at the same time is priceless." Deborah Sullivan, Seneca Valley High School, Germantown, Maryland.

Learn more about Disability Income Insurance at: https://americanfidelity.com/for-individuals/employee-benefits/disability-insurance/.

About American Fidelity:
American Fidelity Assurance Company is a supplemental benefits provider with a focus on offering a different opinion for Customers in education, municipality, auto retail and healthcare. It serves more than 1 million Customers across 49 states. More information can be found at https://americanfidelity.com/.

American Fidelity has earned an "A+" (Superior) from the A.M. Best Company since 1982. One of the nation's leading insurance company rating services, A.M. Best conducts a strict review process for financial stability every year.

American Fidelity has recognized as one of the "100 Best Companies to Work for in America" by global research and consulting firm Great Place to Work(R) and Fortune Magazine 11 times.

The Company was also selected for several other lists by Fortune in the past year, including, Best Workplaces in Finance and Insurance, Best Companies for Giving Back, Best Workplaces for Women, Best Workplaces for Diversity and the Human Capital 30: Companies that Put Employees Front and Center.

Contact:
Lindsey Sparks
Senior Public Relations Specialist
Lindsey.Sparks@americanfidelity.com
405-523-5901

Melody Wortmann
Assistant Vice President, Corporate Communications, Creative Services and Culture
Melody.Wortmann@americanfidelity.com
405-523-5979

NOTES -- Sources:
1. Center for Disease Control and Prevention, April 20, 2015 https://www.cdc.gov/ncbddd/disabilityandhealth/features/key-findings-community-prevalence.html
2. Federal Reserve, May 2016 https://www.federalreserve.gov/2015-report-economic-well-being-us-households-201605.pdf, page 9
3. GOBankingRates.com Survey 2016 https://www.gobankingrates.com/personal-finance/data-americans-savings/
4. Bureau of Labor Statistics, Jan. 24, 2017 https://www.bls.gov/news.release/pdf/wkyeng.pdf

ESB-5796-0517

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Free News Articles, General Editorial, Insurance, Long Term Care

Be Alert for a Job Offer You Can’t Refuse: ‘Unpaid Caregiver,’ Warns Long-Term Care Leader ACSIA Partners

KIRKLAND, Wash. -- "America faces a senior health crisis that is also an employment crisis," says Denise Gott, CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies.

In most U.S. households an out-of-the-blue "job offer" will suddenly appear.
* Urgently needed: caregiver.
* Duties: look after an aging family member 24/7.
* Pay: zero.

"This can be disruptive," says Gott, "but with good planning, it needn't be."

The demand for senior caregiving is huge. About 70% of those over 65 will need help with the activities of daily living at some point, according to the U.S. Department of Health and Human Services. "These activities are basic tasks we normally take for granted," says Gott. "Things like eating, moving around, bathing, and toileting."

In families with two or more seniors, the odds approach 100% that at least one will need caregiving services sooner or later. That creates millions of caregiving "jobs." Most go to unpaid family members or friends, and their ranks are legion.

According to the Bureau of Labor Statistics, over 40 million unpaid caregivers currently look after adults ages 65 and older. That's more than a quarter of the entire U.S. workforce. And new caregivers enter the ranks every year.

When these services are extensive, the toll on the caregiver can be great. According to a 2015 report from the National Alliance for Caregiving and AARP, heavy-duty caregivers (who often perform medical or nursing tasks without preparation) reported negative effects. A majority, 63%, said the intense caregiving made their own health worse.

"And when full-time caregiving also leads to quitting your job or reducing your work hours," says Gott, "financial stresses make matters worse."

When volunteer caregiving is more limited, it can be a different story. "The extent of caregiving seems key," observes Gott. "It would appear that some caregiving is OK and even enriching." She points to a Pew Research study revealing that most caregivers found caring for an older loved one rewarding.

"The right balance is vital," says Gott. "Supplying some care personally, and hiring professionals to supply the rest."

Appropriate services for family members include companionship; emotional support; handling paperwork such as paying bills; and assisting with some, but not all, activities of daily living.

Appropriate services for professionals include monitoring the loved-one during working hours; helping with activities of daily living when family cannot be present; and any assistance requiring medical or nursing skill.

To be in a position to pay for professional caregiving, Gott's organization recommends five options:
* Long-term care insurance
* Critical illness insurance
* Life insurance (with LTC rider)
* An annuity (with LTC rider)
* Savings, such as a tax-advantaged Health Savings Account.

"Our advisors are glad to walk anyone through these options, in person or by phone," says Gott.

About ACSIA Partners:

ACSIA Partners LLC -- https://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance agencies serving all states. 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.

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Free News Articles, Long Term Care, NonProfit and Charities

CARR Announces First Corporate Sponsor

SAN DIEGO, Calif. -- Consumer Advocates for RCFE Reform (CARR) is pleased to announce Grace Care Management as CARR's first corporate sponsor. President and CEO Cindy Hasz stated, "Grace Care Management is pleased to support CARR's consumer advocacy work; it long overdue, and much needed by the growing numbers of seniors who are receiving assisted living placements in California."

On behalf of CARR's Board of Directors, Executive Director, Chris Murphy accepted the corporate donation, "CARR is extremely grateful for the financial support of Grace Care Management. It is a name synonymous with quality geriatric care management services for nearly 20 years in San Diego County. Their sponsorship of CARR is synergistic with the advocacy missions of both organizations, and will enable CARR to actively engage California's legislators on reform issues of concern to consumers of assisted living placement."

About Grace Eldercare Inc.:

Grace Care Management was founded in 2001, and offers a range of professional care and consulting services for families having aging adults. Grace Care Management has an established record of providing families with health professionals focused on creating an environment of care, protecting, surrounding and spiritually nourishing those with chronic illness, aging, or extended recovery.

Their sponsorship of CARR continues the corporation's history of philanthropic giving.

About Consumer Advocates for RCFE Reform:

Consumer Advocates for RCFE Reform (CARR) is a San Diego-based consumer advocacy 501(c)(3) not-for-profit organization dedicated to improving resident care in California's assisted living facilities through customer education, and increasing industry accountability. Since 2009 CARR has supplied San Diego seniors, families, professionals, government agencies and officials with evidence-based information and analysis on aging trends in long term care, research on local assisted living facilities and resources on advocating for resident rights and obtaining accountability.

CARR is a 2014 recipient of the First Amendment Coalition's Free Speech and Open Government Award, sponsor of AB 1523 (Atkins legislation (Statutes of 2014, Chapter 205), and San Diego County's contractor for the Choose Well program (HHSA/AIS).

For more information visit http://www.rcfereform.org/.

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Free News Articles, Long Term Care, NonProfit and Charities

CARR Awarded Grant for Age-Friendly Community Project

SAN DIEGO, Calif. -- Consumer Advocates for RCFE Reform (CARR) announced today that it is the recipient of a $30,000 grant funded by the Del Mar Healthcare Fund, through the Age Friendly Communities Program at the San Diego Foundation.

The grant will move San Diego towards becoming an Age Friendly/Livable Community for All Ages, a designation of the World Health Organization and AARP. In collaboration with Civic Knowledge, a San Diego-based, California benefit corporation, CARR will identify capacity and affordability of assisted living in San Diego County.

Through this research and analysis, the project's findings will allow families, service providers, local and regional governments to understand the gaps and policy issues posing barriers to achieving an age-friendly region for seniors and disabled adults. This seminal work for the region's every growing number of 65+ residents is imperative as community collaborations strive to create affordable housing and care solutions.

About CARR:
Consumer Advocates for RCFE Reform (CARR) is a San Diego-based consumer advocacy not-for-profit organization dedicated to improving resident care in California's assisted living facilities through customer education, and increasing industry accountability.

Since 2009 CARR has supplied San Diego seniors, families, professionals, government agencies and officials with evidence-based information and analysis on aging trends in long term care, research on local assisted living facilities and resources on advocating for resident rights and obtaining accountability.

CARR is a 2014 recipient of the First Amendment Coalition's Free Speech and Open Government Award, sponsor of AB 1523 (Atkins legislation (Statutes of 2014, Chapter 205), and San Diego County's contractor for the Choose Well program (HHSA/AIS).

For more information, visit http://www.rcfereform.org/.

*PHOTO for media: Send2Press.com/mediaboom/17-0227s2p-selder-and-murphy-300dpi.jpg

*Photo Caption: CARR Co-Founders C Selder and C Murphy.

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MEDIA CONTACT:
C Murphy
619-795-2165
cmm@rcfereform.org

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Free News Articles, Insurance, Long Term Care

Long-Term Care Leader ACSIA Partners Raises $15,220 to Help ‘Kill the Wicked Witch of Alzheimer’s’

SEATTLE, Wash. -- A colorful event brightened a long-term care convention on January 14 at the Sheraton Seattle Hotel. Over 100 participants wore purple capes as "wizards" to help "kill the wicked witch of Alzheimer's," the mind-robbing disease that afflicts millions. Their company, ACSIA Partners, is one of America's largest long-term care insurance agencies.

The gala gathering raised $15,220 for the Alzheimer's Association, which supports research and services to combat Alzheimer's disease and other dementias.

This is the second year that ACSIA Partners has supported the Alzheimer's Association. They raised a similar amount last year at their conference in Austin, Texas.

Why is the company so concerned with Alzheimer's?

"It's one of the biggest reasons people need long-term care," says Denise Gott, CEO. "According to the Society of Actuaries, about 25 percent of LTC insurance claims are due to the disease. And one in nine Americans age 65 and older are afflicted, according to the Alzheimer's Association. And the rate jumps to one in three for those 85 and older. That's huge."

This puts a big burden on American households. "Families must be prepared to care for those who, for mental reasons, can no longer care for themselves," Gott points out. "It's a serious national issue."

"We're proud to contribute to the Alzheimer's Association," says Gott. "We're also glad we can make a difference directly, through our company's services."

When the disease advances, a loved one may forget where they are or when to eat, or have trouble going to the bathroom, Gott points out. "Family members must care for them personally unless a long-term care financial solution is in place -- some way of paying for professional caregiving."

A sound plan can ease the burden, which can include lifestyle stresses and diminished earning capacity.

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. 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.

*Image for Media: Send2Press.com/mediaboom/17-0109-alz-wizard-300dpi.jpg
*Image Caption: "Wizards of Alzheimer's" logo.

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Free News Articles, Insurance, Long Term Care

Long-Term Care Insurance Is a Gift for the Whole Family, ACSIA Partners Says

KIRKLAND, Wash. -- If you want to brighten the lives of everyone in your family, "Consider the gift of long-term care insurance," says Denise Gott, CEO of ACSIA Partners, a leader in long-term care planning.

"Whether you get the policy for yourself or for aging parents, it's really a gift for everyone," Gott asserts.

"Different family members benefit in different ways at different times," she says, "but everyone stands to benefit overall." For example:

* If you get a policy for yourself or spouse, you protect your assets and the future of your entire extended family. "With money available to pay for care," says Gott, "your savings and property won't be as vulnerable to unexpected care costs. And you may avoid relying on your children or other relatives to pay for your care." This knowledge alone can ease tensions and make the holiday season more pleasant, Gott points out.

* If you get a policy for aging parents, everyone benefits, not just them. "Your parents may live the rest of their lives with greater security and less fear," says Gott, "but you may also benefit. You guard against sudden, large care expenses down the pike, which could be disruptive. And you gain more control over your own future." For example, she explains, there's less likelihood you or your spouse will have to leave a job to provide care personally.

* Your children stand to benefit, too. With care expenses made more manageable through planning, educational plans can be made with greater certainty. "It's less likely you'll ever have to choose between tuition for your kids and care for your parents or spouse," says Gott.

* Added reward from Uncle Sam. A portion of long-term care premiums may be deducted on federal income tax returns. Tax deductions or credits are also available in many states. "It's like a gift, a nice incentive, and it keeps recurring," says Gott. "You can set yourself up for 2016 and every year after."

"Long-term care insurance is truly a gift that keeps on giving," says Gott. "You'll have less to worry about this holiday season, and every holiday season from here on. You can relax and enjoy the festivities and one another."

Shopping for long-term care insurance is made easy on the ACSIA Partners website: http://www.acsiapartners.com/.

Visitors may explore a range of affordable long-term care planning options including critical illness insurance, annuities, and life insurance with LTC riders as well as traditional LTC insurance. By-phone or face-to-face meetings with local agents are also available.

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance solution agencies. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan.

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Free News Articles, Hospitals and Nursing, Long Term Care, NonProfit and Charities

CARR Presents Paper at GSA’s Annual Scientific Meeting

SAN DIEGO, Calif. -- Christina L. Selder, Principal Investigator and co-founder of CARR (Consumer Advocates for RCFE Reform) presented in the Assisted Living Issues of Quality and Translations to Nursing Homes session of the Gerontological Society of America's (GSA) 2016 Annual Scientific Meeting being held November 16 - 20 2016 in New Orleans, La.

Her presentation, entitled "How Can Quality in Assisted Living Be Measured," reports on the methods and findings of the County of San Diego's innovative program to develop a rating system for assisted living facilities.

The County contracted with CARR to conduct a six-month pilot program to develop a rating system tailored to reflect compliance with California's Title 22 regulations for Residential Care Facilities for the Elderly (RCFEs). The RCFE rating system provides consumers with easy access to objective information and context about care and services delivered to residents.

The rating system developed is grounded in original research, understandings, and insights about California's Department of Social Services, Community Care Licensing's citation practices and protocols.

California's Department of Social Services, Community Care Licensing has regulatory oversight of nearly 7,500 RCFEs. This agency is responsible for conducting inspections, complaint investigations, and other related oversight visits, and generates public records publishing the findings of the state's assessment of facility compliance with the relevant Title 22 regulations.

Ms. Selder holds a MS degree in Gerontology from San Diego State University, and is an accomplished speaker on California's assisted living care model, as well as an experienced researcher in RCFE public records.

About Consumer Advocates for RCFE Reform:

Consumer Advocates for RCFE Reform (CARR) is a San Diego-based 501(c)(3) organization dedicated to improving resident care in assisted living facilities by educating consumers and increasing industry accountability.

More information: http://rcfereform.org/.

MEDIA CONTACT:
Chris Murphy
(619) 795-2165
cmm@rcfereform.org

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