DPM Doctor

👉Pointe Professionals [Senior Networking Group in Michigan]👈

Assisting Hands Home Care:
If you live in Michigan and need help with your home care. Trust the BEST!
https://assistinghands.com/87/michigan/milford/

What are Pointe Professionals?

Pointe Professionals is a group of local, independent professionals offering a wide spectrum of services to serve families at every stage in life. With a focus on “aging gracefully,” we provide a wide range of support and planning services to ensure you and your family have everything for tomorrow so that you can focus on today.

Is Pointe Professionals a company?

Pointe Professionals is a network of independent providers, each providing their specialized services while working together to provide a comprehensive approach to help families plan for every stage of life, emphasizing providing for aging family members.

I’m a veteran who needs health care. What can I do?

Many of our partners specialize in veteran benefits. They can help you better understand what is available to veterans, from alternative health care to free funeral benefits that will save families a lot of money.

Dad wants to stay at home. Can you help?

Staying in the family home has many advantages. We have several resources to help make your family house a home that provides everything necessary to live at home for years.

We need home care. What can you do for us?

Home care can run from nursing, rehabilitation, helping with cleaning and shopping to simple companionship. We have several providers who can help!

I’m a healthcare professional. Can I join your group?

We always look for high-quality providers catering to seniors, their families, and veterans. While we focus on aging, we have resources for people in every stage of life. Let’s talk.

I heard you could get extra money for health care; what is that?

Talk to us. We have plans to provide you with additional money for daily care that will save your family a significant amount.

Get Home Care Assistance in Michigan with Assisting Hands Home Care:
https://michiganpersonalcare.com/

📢See a Physician!📢
See a Physician if you have a health issue. This information is NOT specific to your medical problem.

If in Michigan, consider seeing us:
https://michiganpersonalcare.com/

Directions:
https://g.page/r/Ca4Dg-JS_3XPEAE

👉– LINKS –👈
(With some links, we use affiliate links and may earn a commission. Check with your doctor before using any product!)

📢Disclaimer:📢 This video and description contain affiliate links, which means we may receive a commission if you click on one of the product links. Thank you for your support of this channel!

This is opinion only:
Do not consider this video a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video.

Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date, evidence-based information, but this content should definitely not be considered any type of medical standard. It does not reflect individual practices in other geographic areas.

This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.

👉Does Long-Term Care Insurance Cover Assisted Living? Generally, this can be a helpful option for covering assisted living communities.👈

Using Long-Term Care Insurance to Pay for Assisted Living:
Some long-term care insurance policies include support for seniors who move into assisted living facilities.
Most long-term care plans with assisted living coverage reimburse beneficiaries for costs they’ve already paid out of pocket. Generally, it is accepted that most plans will cover assisted living facilities. Most policies of this type come with a hard cap on the amount they can pay in a year.
This limit is in the $2,500 to $3,000 a year range, leaving seniors with roughly 90% of their assisted living costs unpaid.

While long-term care insurance does not usually offer comprehensive payment coverage for assisted living, the limited support that most policies include can reduce the expense of nonmedical long-term care.
Together with other options, such as Medicaid waivers and reduced fees for residents with limited income, long-term care insurance can help many seniors manage the cost of the care they need.

Paying for Assisted Living
The simplest way for people to pay for assisted living is out of pocket. This arrangement is much like paying rent on a normal apartment, as the person who handles the expense just writes a check every month. The relatively high cost of assisted living makes this difficult for many families. However, even seniors with large retirement incomes may struggle to keep up with the cost.

Unfortunately, Medicare does not pay for the cost of assisted living.

Medicaid may offer some help, though the details of how much help you can get and what services are covered vary between states. In almost all cases, Medicaid coverage for assisted living is significantly less than the total cost, and there are limits to the care provided.

Many states operate a Medicaid assisted living waiver that can pay room and care costs for beneficiaries who would otherwise be placed in a nursing home. Speak with a Medicaid worker for details about how this works in your state.

Get Home Care Assistance in Michigan with Assisting Hands Home Care:
https://michiganpersonalcare.com/

👉– Shoes –👈
Our Recommended Shoes:
https://www.michiganfootdoctors.com/podiatrist-recommended-shoes/

Our Recommended Products: https://www.michiganfootdoctors.com/recommended-foot-doctor-products///

📢See a Physician!📢
See a Physician if you have a health issue. This information is NOT specific to your medical problem.

If in Michigan, consider seeing us:
https://michiganpersonalcare.com/

Directions:
https://g.page/r/Ca4Dg-JS_3XPEAE

👉– LINKS –👈
(With some links, we use affiliate links and may earn a commission. Check with your doctor before using any product!)

📢Disclaimer:📢 This video and description contain affiliate links, which means we may receive a commission if you click on one of the product links. Thank you for your support of this channel!

This is opinion only:
Do not consider this video as a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your own physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video.

Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date evidence-based information, but this content should definitely not be considered any type of medical standard. It does not reflect individual practices in other geographic areas.

This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.

👉What is the Long-Term Care Insurance Cost by Age?👈

How Much Does Long-Term Care Insurance Cost?
The American Association for Long-Term Care Insurance estimates annual premiums below based on its 2022 study of different long-term care insurance carriers. These assume that your policy has benefits that grow 3% annually.

Annual Premium Estimates
Status Age Premium
Single Male 55 $2,220
Single Female 55 $3,700
Couple 55 $5,025

The costs of long-term care insurance can vary widely, depending on several key factors. We explore some of these below: Remember that these are only averages based on a pool of data from leading insurance carriers.

Health: Some medical conditions will disqualify you from even being able to purchase a policy, including muscular dystrophy, cystic fibrosis, and dementia. That’s because insurers will likely lose money on those policies. Generally, the healthier you are, the less likely you’ll ever need to file a claim, so the lower your premium.

Age: In general, you’ll pay more in long-term care insurance if you take out a policy when you’re older since you’re probably less healthy and closer to needing the assistance the policy covers. This is why American Association for Long-Term Care Insurance recommends you begin shopping for long-term care insurance between the ages of 52 of 64.

Marital status: When combined, premiums tend to be lower for married couples than for individuals paying for a personal policy.
Gender: Because women tend to live longer than men and make claims more frequently than their male counterparts, women tend to pay more for insurance premiums. The American Association for Long-Term Care Insurance study showed that a single female pays an annual premium of $3,700 on average while a single man that age paid $2,220.
Carrier policies: Each insurance carrier sets rates and underwriting standards. You should gather quotes from different carriers. You can also work with an experienced long-term care insurance agent to gather these and help you understand the differences between insurance policies. They can also help you determine the coverage you need so you don’t over-insure.

Get Home Care Assistance in Michigan with Assisting Hands Home Care:
https://michiganpersonalcare.com/

👉– Shoes –👈
Our Recommended Shoes:
https://www.michiganfootdoctors.com/podiatrist-recommended-shoes/

Our Recommended Products: https://www.michiganfootdoctors.com/recommended-foot-doctor-products///

📢See a Physician!📢
See a Physician if you have a health issue. This information is NOT specific to your medical problem.

If in Michigan, consider seeing us:
https://michiganpersonalcare.com/

Directions:
https://g.page/r/Ca4Dg-JS_3XPEAE

👉– LINKS –👈
(With some links, we use affiliate links and may earn a commission. Check with your doctor before using any product!)

📢Disclaimer:📢 This video and description contain affiliate links, which means we may receive a commission if you click on one of the product links. Thank you for your support of this channel!

This is opinion only:
Do not consider this video as a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your own physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video.

Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date evidence-based information, but this content should definitely not be considered any type of medical standard. It does not reflect individual practices in other geographic areas.

This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.

👉Is Long-Term Care Insurance Worth It? We interview Insurance specialist Dan Tripp in the Metro Detroit area regarding long-term care insurance.👈

What Are the Odds of needing long term care insurance?
According to the American Association for Long-Term Care Insurance:

“The lifetime probability of becoming disabled in at least two activities of daily living or being cognitively impaired is 68% for people age 65 and older.”

Is long-term care insurance worth it?
It is wise to look at the statistics, but your odds are zero or 100%. So basically, if you need it, it is an amazing deal; if you don’t, it is a horrible deal.

You either will need care, or you will not. If you need care for more than four or five months, you will be glad you have long-term care insurance.

It is worth having if you use it because you would essentially be paying a very small amount for, on average, $5,000 to $6,000 per year.

Should you get long-term care insurance?

Long-term care insurance allows you to maintain your independence and afford quality care.
It also helps reduce the financial and psychological stress a long-term care event can impose on your family. The cons are the cost of the premiums.
Whether you buy insurance or not, you want a plan in place so that you and your family know what to do if you need care.
That plan involves talking to family and friends about their ability to help if and when help is needed.
You may also want to consider alternatives to long-term care insurance, such as making arrangements to live with family or friends or moving into a continuing care community.

Get Home Care Assistance in Michigan with Assisting Hands Home Care:
https://michiganpersonalcare.com/

👉– Shoes –👈
Our Recommended Shoes:
https://www.michiganfootdoctors.com/podiatrist-recommended-shoes/

Our Recommended Products: https://www.michiganfootdoctors.com/recommended-foot-doctor-products///

📢See a Physician!📢
See a Physician if you have a health issue. This information is NOT specific to your medical problem.

If in Michigan, consider seeing us:
https://michiganpersonalcare.com/

Directions:
https://g.page/r/Ca4Dg-JS_3XPEAE

👉– LINKS –👈
(With some links, we use affiliate links and may earn a commission. Check with your doctor before using any product!)

📢Disclaimer:📢 This video and description contain affiliate links, which means we may receive a commission if you click on one of the product links. Thank you for your support of this channel!

This is opinion only:
Do not consider this video as a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video.

Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date evidence-based information, but this content should definitely not be considered any type of medical standard. It does not reflect individual practices in other geographic areas.

This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.

👉What Happens to Unused Long-Term Care Insurance? There are options and plans to help with your new long-term care insurance!👈

What Happens to Unused Long-Term Care Insurance?

Many long-term care insurance buyers die before making any claims under the policy. If they purchased traditional long-term care insurance coverage, they have paid their premiums without any financial benefit.

There are other options to help you get more out of your policy.

For example, policies with shared spousal benefits will allow a surviving spouse to use any new benefits.

Return of premium policies offer another option to get benefits from new long-term care insurance policies, but they are significantly more expensive.

Get Home Care Assistance in Michigan with Assisting Hands Home Care:
https://michiganpersonalcare.com/

👉– Shoes –👈
Our Recommended Shoes:
https://www.michiganfootdoctors.com/podiatrist-recommended-shoes/

Our Recommended Products: https://www.michiganfootdoctors.com/recommended-foot-doctor-products///

📢See a Physician!📢
See a Physician if you have a health issue. This information is NOT specific to your medical problem.

If in Michigan, consider seeing us:
https://michiganpersonalcare.com/

Directions:
https://g.page/r/Ca4Dg-JS_3XPEAE

👉– LINKS –👈
(With some links, we use affiliate links and may earn a commission. Check with your doctor before using any product!)

📢Disclaimer:📢 This video and description contain affiliate links, which means we may receive a commission if you click on one of the product links. Thank you for your support of this channel!

This is opinion only:
Do not consider this video a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video.

Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date, evidence-based information, but this content should definitely not be considered any type of medical standard. It does not reflect individual practices in other geographic areas.

This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.

👉What Disqualifies From Long-Term Care Insurance? There are requirements and disqualifications 👈

Can Anyone Get Long-Term Care Insurance?
Not everyone can get long-term care insurance, and certain prerequisites are required.
To qualify for coverage, you must meet certain requirements, such as legal requirements. Most insurance companies require you to be 18 years old and a U.S. citizen or legal resident.
You must also be in good health and have no pre-existing medical conditions.

Different insurance companies have different disqualifications.
Different companies have different disqualifications.

Long-Term Care Insurance Disqualifications

A major health condition: If you have a major health condition, such as cancer, heart disease, or Alzheimer’s disease, you will likely be disqualified from long-term care insurance.

A history of substance abuse: If you have a history of substance abuse, you will not be eligible for coverage. This includes abuse of alcohol, drugs, and prescription medications.

A criminal record: If you have a criminal record, you may be disqualified from long-term care insurance. This is especially true if you have been convicted of a felony.

Elderly age: If you are considered elderly (usually over 85), you may not be eligible for long-term care insurance.

Who Qualifies For Long-Term Care Insurance?
Most people over 65 and with a significant health condition will generally qualify. However, each insurance company has its specific criteria that they use to determine eligibility.

For example, some companies may require that you have a certain amount of assets or income to qualify. Others may only consider your health history when making a decision.

Ultimately, it is up to the insurance company to decide who qualifies for long-term care insurance. If you think you might need this type of coverage, be sure to research the requirements of different insurance providers to find one that best meets your needs.

Get Home Care Assistance in Michigan with Assisting Hands Home Care:
https://michiganpersonalcare.com/

📢See a Physician!📢
See a Physician if you have a health issue. This information is NOT specific to your medical problem.

If in Michigan, consider seeing us:
https://michiganpersonalcare.com/

Directions:
https://g.page/r/Ca4Dg-JS_3XPEAE

👉– LINKS –👈
(With some links, we use affiliate links and may earn a commission. Check with your doctor before using any product!)

📢Disclaimer:📢 This video and description contain affiliate links, which means we may receive a commission if you click on one of the product links. Thank you for your support of this channel!

This is opinion only:
Do not consider this video as a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your own physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video.

Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date evidence-based information, but this content should definitely not be considered any type of medical standard. It does not reflect individual practices in other geographic areas.

This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.

👉Is Long Term Care Insurance Tax Deductible? We review if it is financial tax deductible?👈

👉What is a tax-qualified long-term care policy?
Most long-term care policies are tax-qualified (Always check with your insurance specialist for specifics like Dan Tripp).

-term care insurance policies come with tax-free benefits and deductible premiums. This means that insureds are generally not taxed on the benefits they receive from these policies.

Also, the premiums can be deductible as unreimbursed medical expenses if the insured meets the adjusted gross income (AGI) threshold.

Your insurer can tell you whether your long-term care policy is tax-qualified or not.

The rules for deductibility and tax-free benefits can differ at the state level. Check with your tax adviser to confirm the rules for your state.

👉Is tax insurance policies tax deductible?

Long-term care insurance premiums can be costly.
The IRS allows qualified taxpayers to deduct a portion of their long-term care insurance premiums on their tax returns based on their age.

Generally, you must itemize deductions and have expenses that exceed the AGI threshold to qualify.

There is an exception for qualified self-employed individuals.

Consult your financial advisor to learn more about your long-term care insurance policy and how you can deduct it from your tax return.

Get Home Care Assistance in Michigan with Assisting Hands Home Care:
https://michiganpersonalcare.com/

👉– Shoes –👈
Our Recommended Shoes:
https://www.michiganfootdoctors.com/podiatrist-recommended-shoes/

Our Recommended Products: https://www.michiganfootdoctors.com/recommended-foot-doctor-products///

📢See a Physician!📢
See a Physician if you have a health issue. This information is NOT specific to your medical problem.

If in Michigan, consider seeing us:
https://michiganpersonalcare.com/

Directions:
https://g.page/r/Ca4Dg-JS_3XPEAE

👉– LINKS –👈
(With some links, we use affiliate links and may earn a commission. Check with your doctor before using any product!)

📢Disclaimer:📢 This video and description contain affiliate links, which means we may receive a commission if you click on one of the product links. Thank you for your support of this channel!

This is opinion only:
Do not consider this video a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video.

Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date, evidence-based information, but this content should definitely not be considered any type of medical standard. It does not reflect individual practices in other geographic areas.

This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.

👉What is Long Term Care insurance? & How much does long-term care insurance cost?👈

Unlike traditional health insurance, long-term care insurance covers long-term services and support. This would include personal and custodial care in various settings such as your home, a community organization, or another facility.

Long-term care insurance policies reimburse the client daily for care (up to a pre-selected limit). This reimbursement is for services to assist them with activities of daily living such as bathing, dressing, or eating.

You can select a range of care options and benefits that allow you to get the services you need where you need them.

The cost of your long-term care policy is based on:

How old you are when you buy the policy
👉The maximum amount that a policy will pay per day
👉The maximum number of days (years) that a policy will pay
👉The maximum amount per day times the number of days determines the maximum lifetime amount the policy will pay.
👉Any optional benefits you choose, such as benefits that increase with inflation
👉If you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance as most individual policies require medical underwriting.
👉 In some cases, you may be able to buy a limited amount of coverage or coverage at a higher “non-standard” rate. Some group policies do not require underwriting.

Get Home Care Assistance in Michigan with Assisting Hands Home Care:
https://michiganpersonalcare.com/

👉– Shoes –👈
Our Recommended Shoes:
https://www.michiganfootdoctors.com/podiatrist-recommended-shoes/

Our Recommended Products: https://www.michiganfootdoctors.com/recommended-foot-doctor-products///

📢See a Physician!📢
See a Physician if you have a health issue. This information is NOT specific to your medical problem.

If in Michigan, consider seeing us:
https://michiganpersonalcare.com/

Directions:
https://g.page/r/Ca4Dg-JS_3XPEAE

👉– LINKS –👈
(With some links, we use affiliate links and may earn a commission. Check with your doctor before using any product!)

📢Disclaimer:📢 This video and description contain affiliate links, which means we may receive a commission if you click on one of the product links. Thank you for your support of this channel!

This is opinion only:
Do not consider this video a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video.

Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date, evidence-based information, but this content should not be considered any type of medical standard. It does not reflect individual practices in other geographic areas.

This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.

👉Avalon Physician Services Michigan👈
https://avalonphysicianservices.com/

For more, come visit us at Avalon Physician Services. Get the BEST & MOST complete care in Michigan at home.

Do you need the BEST medical care at home? Come work with Avalon Physician Services.

Providing the best options for visiting home physicians, visiting home doctors, visiting podiatrists, visiting dentists, visiting audiologists, and 1-hour caregiver check-ins.

Avalon Physician Services include:
Psychiatrist home doctor.
Internal medicine home doctors.
Family medicine home doctors.
Podiatrist visiting home doctors.
Audiologist home specialists.
Dentist home specialists.
Caregivers for home visits.

Get Home Care Assistance in Michigan with Assisting Hands Home Care:
https://michiganpersonalcare.com/

👉– Shoes –👈
Our Recommended Shoes:
https://www.michiganfootdoctors.com/podiatrist-recommended-shoes/

Our Recommended Products: https://www.michiganfootdoctors.com/recommended-foot-doctor-products///

📢See a Physician!📢
See a Physician if you have a health issue. This information is NOT specific to your medical problem.

If in Michigan, consider seeing us:
https://michiganpersonalcare.com/

Directions:
https://g.page/r/Ca4Dg-JS_3XPEAE

👉– LINKS –👈
(With some links, we use affiliate links and may earn a commission. Check with your doctor before using any product!)

📢Disclaimer:📢 This video and description contain affiliate links, which means we may receive a commission if you click on one of the product links. Thank you for your support of this channel!

This is opinion only:
Do not consider this video as a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your own physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video.

Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date evidence-based information, but this content should definitely not be considered any type of medical standard. It does not reflect individual practices in other geographic areas.

This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.