Long-term Care Insurance

The staff at JADP received a training inservice about Long-term Care Insurance with Jolynn Synder that was incredibly informative!  Long-term care is different from traditional medical care.  Long-term care includes services that help with the activities of daily living such as home health care, respite care, hospice care, adult day care, assisted living, or care in a nursing home.  Someone with a physical illness or disability often needs hands-on or stand-by assistance with activities of daily living (bathing, continence, dressing, eating, toileting, and transferring).  People with cognitivie impairments usually need supervision, protection, or verbal reminders to do everyday activities. 

The thing is, long-term care can be very expensive (an average cost of four years of long-term care services is in the ballpark of $200,000 for those four years!).  The cost depends on the amount and type of care you need when you get it.  People pay for long-term care  in a variety of ways including using the personal resources of individuals or their families, long-term care insurance, and some assistance from Medicaid for those who qualify.  Medicare, Medicare supplement  insurance, and the health insurance you have at work usually does not pay for long-term care because it is not considered medical or accute care.  If you get Long-term Care Insurance, however, it will pay for or reimburse you for some or all of your long-term care needs.  You should consider buying Long-Term Care Insurance if:

• You have significant assets and income.
• You want to protect some of your assets and income.
• You can pay premiums, including possible premium increases, without financial difficulty.
• You want to stay independent of the support of others.
• You want to have the flexibility of choosing care in the setting you prefer or will be most comfortable in.

There are several options for buying long-term care insurance.  Jolynn really emphasized how important it is to plan ahead, especially for long-term care needs.

The big question is: What is your plan for long-term care?

If you would like more information about long-term care in general, or long-term Care Insurance, let us know!  We are happy to help!

CO Mammoth Dancers

JADP Enjoys a visit Feb. 4th from Colorado Mammother Lacrosse Team dancers: The Wild Bunch!

Bringing "Cheer" to our participants.  We had a lot of fun and look forward to a future visit.

Check out more fun things on our website at http://www.jadp.org/

Happy Valentine's Day!

We collected some fun tidbits for Valentine's Day!

· There are various theories on the origin of Valentine's Day, but the most popular dates back to the time of the Roman Empire during the reign of Claudius II, 270 AD. Claudius didn't want men to marry during wartime because he believed single men made better soldiers. Bishop Valentine went against his wishes and performed secret wedding ceremonies. For this, Valentine was jailed and then executed by order of the Emperor on February 14. While in jail, he wrote a love note to the jailor's daughter signing it, "From your Valentine."

· In the Middle Ages, young men and women drew names from a bowl to see who would be their Valentine. They would wear this name pinned onto their sleeves for one week for everyone to see. This was the origin of the expression "to wear your heart on your sleeve."

· Physicians of the 1800's commonly advised their patients to eat chocolate to calm their pining for lost love.

· 15% of U.S. women send themselves flowers on Valentine's Day.

· Teachers will receive the most Valentine's Day cards, followed by children, mothers, wives, sweethearts and pets.

· About 3% of pet owners will give Valentine's Day gifts to their pets.

Q.  What did the paper clip say to the magnet?

A.  "I find you very attractive."

Q.  Did you hear about the nearsighted porcupine?

A.  He fell in love with a pin cushion!

Q.  What did one light bulb say to the other?

A.  "I love you a whole watt!"

Q.  Why did the banana go out with the prune?

R. Because it couldn't get a date.

Q.  What travels around the world but stays in one corner?
A.  A stamp.

We wish you a very happy and loving Valentine's Day!