Personal Finance, Health 

What will you do if a family member needs long-term care? Today's high cost of professional caregiving may leave you with no choice but to provide it yourself. That can mean lost income, as well as valuable time away from your spouse, your children, and the things you love to do. Now is the time to protect your family's lifestyle and your financial independence, while making sure your loved one receives the best care possible. On a more personal note, what if the person needing care is your spouse... or YOU? What sacrifices will those closest to you make to manage the best care for each of you? Make no mistake - your family and friends will take care of you, but at what emotional and financial cost? In this newly revised and up-to-the-minute guide, Phyllis Shelton, one of the nation's leading authorities on long-term care planning, shows you how to plan ahead for long-term care - without using your assets. Find out how much protection you need, what you can expect to pay, and other essential information, including: *Are long-term care policies right for you? *How do you prioritize your benefit selections to get the best coverage for your budget? *The Partnership for Long-Term Care - does it really protect assets? *Combo life/annuity/LTC plans - the most important feature to make them work *The Federal Long-Term Care Insurance Plan - what is covers and who's eligible? *Taxes - the latest incentives for long-term care insurance *Reverse mortgages and life settlements - show me the money! *Medicaid - the full impact of the Deficit Reduction Act on LTC benefits *Medicare - the latest info on Medicare Advantage and Medicare drug benefits Includes fully updated directories of insurance departments, aging and health agencies, Medicaid eligibility asset and income requirements for all 50 states, as well as essential web sites. - from Amzon