Is It Too Late To Buy Life Insurance?

A stethoscope laying on top of papers.


Many seniors believe that they are at an age at which they have passed life insurance eligibility.  Although most major life insurance policies require health underwriting (many smaller policies do not) and they won’t automatically deem you ineligible for insurance if you have pre-existing conditions, but you will pay more.  For instance, a 70-year-old male in excellent health would pay an average of $3,295 with a $100K death benefit, while an applicant with a condition like controlled diabetes might pay about $5,449 per year.  Before applying, experts recommend that you proactively manage your health.  For example, if you have high cholesterol, bring it down through medication and diet.  You can even pay to have a blood test run prior to applying to make sure your medical condition is under control (Kiplinger’s Retirement Report, August 2021, P8).

Pebble Beach, CA Genworth Long Term Care LTC Premiums To Go Up


One of the few remaining companies in the long-term care industry, Genworth, sent out a brochure to policy holders signaling rate hikes are coming.  Said the company:

Our policies are generally held for 30-40 years, which means when they were initially priced, a lot of assumptions were made future costs for claims that would be made decades later.  Many of those assumptions were incorrect because the cost of and demand for care have both skyrocketed since.  Insurance companies, including us, have had significant losses as a result.  Many have left the business.  Despite losing $3.6 billion on our older legacy policies, we’ve decided to stay in the business and file for rate increases on these older policies and select newer ones to cover the cost of future claims.  To learn more, call 1-888-479-6889 or go to Genworth.com/LTCpremiums

Pacific Grove, CA Genworth Long Term Care LTC Premiums To Go Up


One of the few remaining companies in the long-term care industry, Genworth, sent out a brochure to policy holders signaling rate hikes are coming.  Said the company:

Our policies are generally held for 30-40 years, which means when they were initially priced, a lot of assumptions were made future costs for claims that would be made decades later.  Many of those assumptions were incorrect because the cost of and demand for care have both skyrocketed since.  Insurance companies, including us, have had significant losses as a result.  Many have left the business.  Despite losing $3.6 billion on our older legacy policies, we’ve decided to stay in the business and file for rate increases on these older policies and select newer ones to cover the cost of future claims.  To learn more, call 1-888-479-6889 or go to Genworth.com/LTCpremiums

Carmel, CA Genworth Long Term Care LTC Premiums To Go Up


Carmel, CA  Genworth Long Term Care LTC Premiums To Go Up

One of the few remaining companies in the long-term care industry, Genworth, sent out a brochure to policy holders signaling rate hikes are coming.  Said the company:

Our policies are generally held for 30-40 years, which means when they were initially priced, a lot of assumptions were made future costs for claims that would be made decades later.  Many of those assumptions were incorrect because the cost of and demand for care have both skyrocketed since.  Insurance companies, including us, have had significant losses as a result.  Many have left the business.  Despite losing $3.6 billion on our older legacy policies, we’ve decided to stay in the business and file for rate increases on these older policies and select newer ones to cover the cost of future claims.  To learn more, call 1-888-479-6889 or go to Genworth.com/LTCpremiums

Salinas, CA Genworth Long Term Care LTC Premiums To Go Up


One of the few remaining companies in the long-term care industry, Genworth, sent out a brochure to policy holders signaling rate hikes are coming.  Said the company:

Our policies are generally held for 30-40 years, which means when they were initially priced, a lot of assumptions were made future costs for claims that would be made decades later.  Many of those assumptions were incorrect because the cost of and demand for care have both skyrocketed since.  Insurance companies, including us, have had significant losses as a result.  Many have left the business.  Despite losing $3.6 billion on our older legacy policies, we’ve decided to stay in the business and file for rate increases on these older policies and select newer ones to cover the cost of future claims.  To learn more, call 1-888-479-6889 or go to Genworth.com/LTCpremiums

The History Of Family InHome Caregiving Part 4 : Cooking In A Skilled Nursing Facility

A farmers market with fresh vegetables and fruits.


This article is the fourth in a series of articles about myself, my past, and how I decided to start a home care agency on the Monterey Peninsula.  In the first, I talked about a wonderful experience I had with a bedridden woman who eventually got up, went out and about and even on a tour.  It shows that with enough encouragement, a lot can be accomplished.

https://familyinhomecaregiving.com/the-history-of-family-inhome-caregiving-part-1-the-rocking-chair/

In the second part of the series, I wrote about how my colleagues and myself had to come up with interesting activities for the residents to keep their minds and their bodies engaged.  Read here about the wheelchair races we held:

https://familyinhomecaregiving.com/the-history-of-family-inhome-caregiving-part-2-the-race-is-on/

In the third, I discussed my prior experiencing working on the Alzheimer’s wing in a skilled nursing home.  It can be quite a challenge!

https://familyinhomecaregiving.com/the-history-of-family-inhome-caregiving-part-3-alzheimers/

In my most recent blog, I will talk about my experience doing food service in a large skilled nursing facility, which can be quite a challenge.  Working in a skilled nursing home is hard work and a lot of it. Not only are there caregivers, housekeeping and medical staff, but you also have nutrition staff that helps prepare the food and serve the meals to patients in their rooms and in the dining room. I remember one time I was asked to help out in the kitchen because they were low on staff, and it was an eye-opening experience. Not only do you need to know a variety of diets, like low carb, low salt, etc., but you need to know how to combine them and make them taste good as well. They asked me to peel some potatoes (more than two hundred!) and 90 minutes later, I finished.  My hands sure hurt (have you ever peeled two hundred potatoes?). After the potatoes, I moved on to cleaning lettuce, and a lot of it! That day they would make meatloaf and fish, and I was surprised at how much meat was used. It was needed because we had around 200 patients in the facility. Mixing all the ingredients was easy, as they had a big professional mixing bowl. Once dinner was made, the employees that delivered the meals to the rooms came in to pick up the preloaded meal carts.  Each tray had the room number and name of the patient that the meal was for. This was done so that special diet patients received the correct meal. We also had the patients that came into the dining area to eat their meal with others, a very social time of day. They pre- ordered their meal, so we had them lined up on a metal shelving unit with, again, their name and room number so the correct person received their proper meal. Sometimes the meals were mixed up, so one person would get the fish when they ordered the meatloaf and vice versa, but believe me when I say that the patient would let us know in no uncertain terms when there was a mix up. During that evening I was serving a meal to a person that had mild dementia and she thought she had ordered fish, but the card read meatloaf. There was a big commotion and the floor supervisor and the kitchen supervisor had to come in to calm the patient down and figure out what had happened. It turned out that the person writing the cards out mixed this lady’s order up with another lady in the same room. Once we found that out I went to the other lady (who stayed in her room to eat) to see if she received the correct meal.  Well, of course she had not so I received another ear full before I could explain what had happened.  Once I brought the correct meal in she was all smiles and happy to see that I personally brought her meal. She had forgotten what had happened just a few minutes earlier. Patients with dementia and Alzheimer’s are extremely difficult to work with.  You need a lot of experience to know how to deal with them. It takes patience, kindness, understanding and compassion. I would hope that in today’s world the meal preparation and delivery around Monterey, Carmel, Pacific Grove, Pebble Beach and Salinas have new technologies that can make the process easier and make for a great experience for patients. I have seen Park Lane’s restaurant and it is genuinely nice.  You can order your food like a regular restaurant so you can have a bigger variety of meals to choose from. Technology has been a friend during this time of Covid-19 and has helped to make some things easier and safer. I hope your next meal is a great meal! Bon Appetit

 

Ombudsman Office Unable To Enter Assisted Living Facilities, Making Some Lax

A nurse is smiling next to an older woman.


An investigative reporter unveiled an expose on a chain of nursing homes in California called Country Villa which has 18 nursing homes that have been unlicensed for years.  Two of their facilities lost over a dozen of residents due to COVID-19.   The Staye of California requires that nursing home operators be licensed by the California Department of Public Health, which oversees nursing homes.  But the Department has allowed the owner to operate with a “pending license†for years.  The owner, Shlomo Rechnitz, has acquired 81 nursing homes with 9,000 beds, making him the largest operator in California.  “I’m just a little speechless when it comes to this ownership nightmare in California and now it’s gotten to this point,†said Molly Davies, the Los Angeles County long-term care ombudsman.  In Monterey, our ombudsman said that they have not had in-person access to assisted living facilities during the pandemic, a situation which is just making things worse.

https://calmatters.org/projects/california-oversight-nursing-homes/?campaign_id=49&emc=edit_ca_20210407&instance_id=28956&nl=california-today&regi_id=52105769&segment_id=55031&te=1&user_id=7052b81671c57203c64c377c7522baa7

Pebble Beach, CA Get Help Dealing With Long Term Care LTC Companies

A stethoscope laying on top of papers.


There was an article in the November 2020 Kiplinger’s Retirement Report (page 18) about the difficulties that many people are having getting their LTC provider to pay up.  At Family inHome Caregiving we have dealt with a lot of LTC providers, and each one is different.  We assist our clients by filling out the proper paperwork and giving the LTC provider the reports that they need in order to process the paperwork quickly.  We have found that typically, it takes a couple of claims to figure out exactly what the LTC provider is looking for.  However, once you get the kinks worked out, it is smooth sailing.  We have multiple clients in Pebble Beach and Pacific Grove and can help you through the LTC red tape.

California Sues Brookdale Nursing Home Chain

A woman looking out of the window at her home.


Salinas), claiming that they have manipulated the Medicare ratings system to make their nursing homes look more attractive than they actually are.  The lawsuit is among the first of its kind to accuse nursing homes of submitting false information to the U.S. Centers for Medicare & Medicaid Services, or CMS, which uses data on the amount of time spent with residents and pairs it with in-person examinations by state health inspectors.  The facility is then ranked based on stars, allowing consumers to choose which facility they want to put a loved one in.  The lawsuit accuses Brookdale of falsifying its payroll-based journal entries, effectively stating that they have more staff than they do.   Prosecutors also are accusing Brookdale of illegally evicting or transferring residents so the chain could replace them with clients that generate more revenue.  A former Brookdale nursing assistant said in a deposition that her supervisors told her to falsify medical records to make it look like patients received more care than they did.

https://www.nytimes.com/2021/03/15/business/california-lawsuit-brookdale-senior-living-nursing-homes.html?campaign_id=49&emc=edit_ca_20210316&instance_id=28107&nl=california-today&regi_id=52105769&segment_id=53505&te=1&user_id=7052b81671c57203c64c377c7522baa7

https://www.brookdale.com/en/communities/brookdale-salinas.html?cid=yext

Pacific Grove, CA Retiring? Think About Decluttering

A woman helping an older person with papers


The November 2020 issue of the Kiplinger Retirement Report had an article on retiring and getting rid of all of that extra junk that you have lying around—while making a profit!  For instance, called Decluttr (available on both the Apple iPhone and Google Android) where all you have to do when selling electronics (as well as accessories like video games, DVDs and CDs) is input the make and model.  They will email you a price quote that is good for four weeks and a shipping label for mailing the item.  No need to send in photos or any information, just wipe all personal data clean and send the equipment in.  Another interesting app is The RealReal which will buy designer clothes.  You just bag them up and mail them in and they apparently give a decent price for used clothes. If you have things to give away, I recommend the Church Mouse, which is owned by the First United Methodist Church in PG.  They have always been kind to us and god bless them!

https://butterflychurchpg.wixsite.com/butterflychurch/ministries