Basics of Long Term Coverage
Before making a decision about long-term care insurance (LTCI), it helps to fully understand what it is and how it works. Here’s a general overview. What is long-term care insurance? This type of insurance addresses extended, hands-on assistance that’s needed due to a prolonged disability or long-term illness or cognitive impairment. Each LTCI policy will define its benefit triggers, but individuals generally qualify for use when a health professional certifies that you require help with at least two daily activities, such as dressing, eating or bathing. What can it cover? Most...
Read More9 ways to use February 29th to “Leap” into Changing your Life
You learned it in school, but most of us forget why we have a leap year, and why it is significant. The Gregorian calendar, which now serves as the standard calendar for civil use throughout the world, has both common years and leap years. This calendar closely follows the Julian calendar, which was introduced by Julius Caesar in 45 B.C. This calendar has common year which has 365 days and a leap year 366 days, with the extra day designated as February 29. A leap year occurs every four years to help synchronize the calendar year with the solar year, or the length of time it takes the earth...
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