How To Find The Best Rates On Long Term Care Insurance In Arizona

The type of care your loved one needs will help to determine the type of facility you want. Placing someone in a nursing home who is in charge of their faculties and they are able to communicate their wishes and needs to the staff, is different than admitting a patient that for one reason or another is unable to make their needs known. If your loved one is more vulnerable and unable to communicate, they may be unable to report neglect or abuse. This by no means suggesting that inappropriate behavior is the norm, but you want to be assured that your family member is well taken care of and safe. Little telltale signs of abuse include and are not limited to unexplained bruises, welts, and sores. Patients with bedsores or are dirty, have an odor, improper clothing for the weather, lice, dehydration, weight loss are signs of neglect. Signs of emotional abuse are derogatory remarks, verbal harassment and threats. Here are a few things Arizona residents should look for when evaluating a facility: 1.Resident’s hygiene: As you walk through the facility, how do the patients look? Make a note as to whether or not the patients look and smell clean. 2.Staffing: How many staffers do you see? Is there only one nurse caring for 18 patients or is there an adequate staff to patient ratio based on the types of illness/afflictions of the patients. 3.Facility cleanliness and safety: When you walk through the premises, check to see if whether the corridors are clean or dirty. Are there broken windows? How does the furniture look? 4.Trust your instincts. If you’re thinking of putting a loved one in a facility, trust your initial gut reaction. If there is something about the facility that makes you feel uneasy, don’t ignore it. Maybe that facility is not for you. Published at:

How To Compare Low Cost Long Term Care Insurance In Arizona

When comparing low cost long-term health insurance, Arizona residents must compare facilities on an apple-to-apple basis. To compare an Assisted living facility to a nursing home, will do nothing but frustrate you and may be the cause of making an uninformed decision. Below we’ll discuss the differences of a few of the long-term care facilities. This is by no means an exhaustive list. Do your research to find out all of the different types of long term care facilities to help you to make an informed decision: 1. Adult Day Care: This type of care provides health-monitoring services such as checking blood pressure, ensuring the patient is getting adequate amounts of food/liquid. They also ensure brain stimulation by engaging the patient in social activities and physical activities. If necessary they will help with personal hygiene performing tasks such as helping with bathing, shampooing, shaving and toileting. 2. Assisted Living: Assisted living facilities provide help for people that require assistance with their daily living activities, but do not require 24 hour 7 day a week help. In essence assisted living is the step in between living at home and moving into a nursing home full time. Depending on the facility, some of the services provided are cooking, bathing, laundry, dressing, housekeeping and medication. 3. Hospice: Hospice provides services to patients who are terminally ill. Hospice provides pain management, medical care, spiritual and emotional support. These services may be provided in the patient’s home or in a facility. Hospice’s philosophy is to make the patient’s final days pain free, lived with dignity and provide the best quality of life as possible. 4. Nursing Home: Nursing Homes are in house facilities that provide both recuperative and non-recuperative long-term care. Although generally considered a place for the elderly, nursing home patients may range in age from young to old. These facilities provide 24-hour care for patients who are unable to care for themselves whether it is a result of aging, illness or physical disability. Published at:

How To Find Affordable Long Term Care Insurance In Arizona

The state of Arizona provides long term care through a program called Arizona Long Term Care System (ALTCS). This program provides coverage for senior citizens aged 65 and over and/or individuals who are disabled and require ongoing care in facilities like nursing home or other long term care institutions. In addition to meeting the age and disability requirement, there are other factors to determine whether or not a person is eligible for this program. Some of the additional requirements are as follows: 1.Monthly Income: The monthly income may not exceed $1,869 per month. There are acceptations however for those who have been approved by AHCCCS (Arizona Health Care Cost Containment System – Arizona’s Medicare program) AHCCS applicants may have an income exceeding the monthly income amount. 2.Financial Resources: Available resources valuing less than $2,000 for an individual. Available assets may be bank accounts, cash, stocks, bonds etc. If the applicant is married, the applicant’s spouse is able to keep one half of the available assets up to a maximum of $101,640. Tangible assets such as a home and/or vehicle are not included and will not be considered as part of the resource limit. 3.Citizenship Status: Applicants must be a citizen of the United states and reside in the state of Arizona. Lawful resident aliens may also qualify. 4.Testing: Each applicant must undergo a PAS test. A PAS test is a screening test for pre-admission. Every potential candidate must undergo this screening before being accepted into the program. In essence, the test will indicate whether or not a person can function in the community without custodial or nursing care. It is not a requirement to be in a nursing home to receive care from ALTCS. ALTCS services can be provided on an in-home basis or provided while living in an assisted living facility. Published at:

How to Choose a Senior Care in Arizona

Choosing a right senior care option can be overwhelming and stressful. Senior Care in Arizona provides various services and assists in taking care of your loved ones. Before you decide on which option to choose from, it is necessary to evaluate the needs of your relative. Physical help: Do you need someone to help you in your basic routines like bathing, walking? The extent of physical assistance you need can influence your choice of senior care hugely. Medical Condition: If you are suffering from a chronic disease, then you will be in need of Arizona Senior care to take care of you 24 hours a day. Try to find out about all the diseases you are suffering from, and also about how much medical attention you will require. Companionship: Sometimes, seniors are completely hail and healthy, but all they lack is social interaction. If loneliness is your major problem, then living in an environment where you can easily mingle with like-minded people can have a great effect on your health. Security: All your close family and friends have moved away and you lack a sense of security, then you can choose a service accordingly. A person can come and check up on you from time to time. Daily routines: If you need someone to drive you to your dentist’s place, or to go shopping for groceries, then Arizona has a few professionals who will be happy to help you in fulfilling your daily routines. Financial Aid A senior care facility can wipe out all your savings. Having a financial support for these facilities can be very useful. The state of Arizona has come up with the Arizona Long Term Care System (ALTCS) which helps in providing financial aid and senior care facilities. Medicaid and Veterans Benefits are programs which help in reducing your senior care expenses. If you have an employee’s coverage health insurance, they can financially help you out. Geriatric Care Managers Geriatric Care Managers are professionals who help in providing the best senior care solutions for an individual. Every individual has a different set of problems, so they make sure they find the best solutions for their needs. National Association of Professional Geriatric Care Management is an institution which is fighting everyday to make sure that these elders live in a safe and helpful environment. Elder Care Consultants in Arizona closely work with the client’s family. By evaluating the needs, physical condition and medical needs for the person, they suggest the best possible solution for them. Types of Senior Care Services Home Care: If your elder relatives find it difficult to abandon their homes, and they don’t require high level of medical aid, then home care can be a best option. They work either on a weekly or daily basis. They take care of driving them to places they want go and also help in household chores till an extent. Independent Living: It is where the seniors don’t require that much of attention and care. They live in apartments or condos where they have a common recreational place where they can meet people and engage in social activities. Assisted Living: When an elder need personal help and does not suffer from much medical problems, then you can choose assisted living. Providing proper meals, housekeeping, medicines are a few services they provide. Nursing Homes: If you have a prolonged disease, and are in need high level of medical aid, then nursing homes can help you a great deal. Nurses and doctors are present at all time to make sure you are taken proper care of. Make sure you properly understand the various services these senior care places provide and also their cost before you make your decision. Published at:

Protect Yourself From Arizona’s Cost of Care

Arizona long term care costs are increasing at a rate faster than the national average. This is the reason that residents of the state are advised to start planning their future health care needs before an event snowballs into irreparable damages in the health and financial aspects of their lives. Arizona residents with loved ones in nursing homes are currently forking out $79,113 a year, on average, for a private room. According to nursing home personnel, the average length of stay of elderly people in their facility is two and a half years or three years, but with less than $300,000 in assets these people can only manage to keep their elderly or disabled loved ones in there for a year. Nursing home expenses can dwindle down people’s assets faster than any other expenditures, especially for those living in the Phoenix area where the average daily cost of a nursing home is $222 or $82,490 annually. Meanwhile, the cost of assisted living centers in Lake Havasu is 15% higher than in Phoenix. According to Genworth Financial’s 2011 Cost of Care Survey, the average annual rate of a one-bedroom private assisted living facility in the former city is $42,000 or $3,500 per month. In Phoenix, the same type of LTC facility would cost $3,000 monthly. That said, you should start planning your LTC in Arizona early and if you don’t know where to begin, perhaps scouting various LTC settings in your area will serve as an effective means. Since your plan is meant to shield you from the high cost of care, it’s a good idea to gather the figures or rates of each type of LTC facility so that you would know how much coverage you will need from a potential LTCI policy. Facing Arizona Long Term Care Costs Head-on Nobody goes to war unarmed. With this in mind, there is no doubt that you will be able to construct a viable plan for your health care needs. After you have gathered the rates of various LTCI facilities in your area, compare them and estimate how long you’ll need care in each facility assuming that you would someday. Planning is all about anticipation, after all, and it’s natural to perceive the worse that could happen in the future rather than be too complacent only to find yourself in the financial pit afterwards. Oftentimes, at the onset of care majority of patients would stay home, hire a home health aide and avail homemaker services. This is usually the case for those who are experiencing functional limitations due to a disability or infirmity resulting from old age. Later, as the patient’s health condition worsens he is brought to a nursing home which provides 24-hour care and monitoring, therapy sessions, and other services that would relieve him from pain and ensure his comfort despite his condition. Right now, a big number of families face the risk of losing all of their assets to Arizona long term care costs. Count your family out of the equation and start planning. Published at:

Be A Homeowner Through Arizona Home Equity Loans

You’re living in beautiful Arizona with your picture perfect family. But then, you’re starting to notice that your children are getting bigger and the house you’re renting is getting smaller. Pretty soon, they will need to have their own rooms and personal spaces. It’s indeed time to move to a larger home, but while you’re at it, why not consider purchasing one?

To Buy or Not To Buy, That is the Question

Indeed, buying a home is a gargantuan step. Most people settle for renting houses and apartments because they fear taking such a massive step. Still, it is the desire of many to own houses, flats, or apartments of their own, and understandably so. After all, there’s no better feeling than coming home to a place that you can really call your own.

As if the idea of buying a home is not daunting enough, there are also many responsibilities involved. There are taxes to pay, maintenance to undergo, and mortgages to take care of. These hurdles (if you can call it that), however, are very minor and can be taken care of with good Arizona home equity loans.

Arizona home equity loans are designed to get the burden off your back. With this ball in your court, you and your family can start looking at new houses in Arizona, or maybe even build one from scratch.

Haste Makes Waste

Buying a home is probably the most major, if not the biggest, decision you’ll ever make in your life. The financial well-being of you and your family is on the line here, so it’s best to tread carefully. Arizona home equity loans are there to help you. However, with the competition in the mortgage, loans, and real estate markets today, there are one too many companies offering Arizona home equity loans, and not all of them will have your best interests at heart.

Take your time to look around. You can do it online or in person. Painstaking research will assure that you get the best deals. Get the latest rates and offerings of various companies offering Arizona home equity loans. Compare the rates offered by the different companies and narrow down your list to those that you feel work best for you.

You can even consult a broker. However, you have to make sure that this broker is trustworthy and isn’t just out to get a commission. Still, it’s best if you do it on your own. After all, nobody else should be privy to your financial situation. You know what you can afford and where to draw the line. By knowing your limits and by not making hasty decisions, you can get Arizona home equity loans to work for you and not against you.

Indeed, being a homeowner has more rewards than you can possibly imagine. You don’t have to deal with pesky landlords anymore and pay rent. You don’t have to put up with rules, like not having pets or hanging pictures on the walls. This time, it’s your house, and it’s your rules.

Why not find out more about Arizona home equity loans [] and home mortgage lenders []? Visit for more information and also know about Colorado interest mortgage rate refinance [].

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Finding The Perfect Arizona Home

There is a lot of excitement involved when purchasing your first home. It’s a time of high emotion when things can seem to take forever or happen really quickly in the same day. It is this time when some snap decisions have to be made that can dramatically affect the purchase process. Everyone would love to have surplus time in which to consider their home purchase but sometimes that is not the case. Careful planning in the early stages is a good way to ensure smooth sailing once you start the process of making serious offers. Things can move quickly in the Arizona real estate market, you had better be prepared!

The best things you can do when purchasing an Arizona home is your homework. Spend some time learning about the process that a home purchase takes; learn about the different stages that it moves through so that you can be prepared for any situation that arises. Your realtor is a invaluable resource during this process as they are skilled at navigating the twists and pitfalls involved with the purchase of a home. Another good idea is to have your finances completely dealt with and verified before considering buying. Have your mortgage approved and ready to go on all counts before making an offer. If you wait until offers are made to secure financing, you could easily lose the home to another buyer with approved financing or end up in a bad situation where you find out that the financing that is available to you is not enough to cover your offer. This can be a terribly bad situation for all involved so avoid it at all costs.

Now, in searching for your perfect home, take a second to consider what the future will hold for you. If you are single, is marriage in the plans? Children? Is this going to be a home you live in for many years? Try to plan ahead for the home and realize whether or not an upgrade will be necessary or if this is going to be home base from the foreseeable future. Its much better to accommodate any future plans before purchase when there are still options available.

Sanjog Gopal is a CPA & REALTOR specializing in the Arizona real estate market. My background as a CPA ensures that I am ideally suited to provide elite service in all aspects of home purchases and sales. For more information contact me anytime or visit me on the web at

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Home Health Care, In-Home Care and an Aging America

As our population ages we will see more and more folks choosing in-home health care, instead of Old Folks Homes. Of course this does not mean it will be cheap or free by any means. Prices can range from $75.00 to $150.00 per day presently and that could either increase due to supply and demand and nurse shortages or drop due to more companies entering the market.

In fact one company in Arizona has recently franchised this concept and those who would like to provide in-home care can buy a franchised business to do this type of work. With more of our population living longer and having fewer kids to support them in their old age we will see this industry sector increase. Most health care analysts believe that home health care and in-home care will become a multi-hundred billion dollar business very soon and could hit a trillion a year by 2025.

Of course with these high daily costs, you can imagine that this could take quite a bit of money to insure one is able to afford it. Luckily there are insurance companies, which will provide coverage incase you are home ridden in the future. Just be sure to pick a reputable company that will be around later if you sign up for such insurance now. Consider all this in 2006.

“Lance Winslow” – Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; Lance is an online writer in retirement.

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Phoenix, Arizona Home Insurance – 4 Steps To Low Rates

1. If you can buy an umbrella insurance policy and then lower your homeowners’ liability coverage you’ll save a lot. The added advantage here is that although you’ll pay much less, you’ll also get far better coverage.

You buy home liability coverage to ensure you do not incur losses due to injury to someone on your property. Furthermore, if a lawsuit results from such an injury, it also takes care of it.

But like all things in insurance, there’s a limit to the amount that is covered and your homeowners’ liability coverage might even be totally inadequate. On the other hand, an umbrella insurance policy usually offers huge coverage limits that can usually take care of the craziest lawsuits for very insignificant premiums.

2. Dog bites account for about 33% of all liability claims and cost insurance companies over $1 billion yearly. Dog owners, therefore, should expect higher rates. However, keeping your dogs in a place where they can do no harm will make you pay less in home insurance.

3. If you want a discount, get your Phoenix, Arizona home insurance policy from the same insurer you bought your other policies from. Insurers have a multi-policy discount to encourage you to buy other policies from them.

However, it may not serve your best interest to do this as you might be better off if you buy each of your policies from different insurers.

4. I recommend that you get and compare quotes from not less than three quotes sites as it will ensure you do not miss out better quotes not presented by the other sites. This provides you a broader basis for doing better comparisons thus increasing your chances of better quotes.

Here are my favorite pages for home insurance quotes…

InsureMe Home Insurance Quotes []

Hometown Home Insurance Quotes []

Publishers can get unique versions of my articles by following any of the links above. Click on “To Use My Articles” when you get to my site.

Chimezirim Odimba writes on insurance.

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