A Wake up Call for Elders and Family Caregivers: Long-term Care Costs Force Middle Class Families into Poverty

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To help raise awareness that all but the very poor will be expected to pay their own long-term care bills, a comprehensive new web site - http://www.avoidmedicaid.com was launched on June 15.

A harsh fact of life in our deficit plagued nation is that publicly funded care for frail elders has been seriously underfunded for years. The result has been a "two tier" care system. Those dependent on publicly subsidized care often get poor quality care, very little care, or are placed on a waiting list with no care at all.

Nursing homes that rely on Medicaid, the government funded health care program for the poor, are chronically understaffed due to low pay and difficult working conditions.

Avoidmedicaid.com provides comprehensive information describing what long-term care is, including alternatives to nursing home placement. Formerly known as "nursing home insurance", private long-term care coverage may now be the most affordable resource available to avoid being forced into a nursing home.

In addition to raising awareness of the affordability of private long-term care insurance, avoidmedicaid.com provides information about other alternatives to pay for care including reverse mortgages, and using life insurance to obtain funds for care that must be paid out of pocket.

Avoidmedicaid.com is not affiliated with and does not endorse specific insurance companies. The web site is sponsored by a consortium of eldercare service providers and is managed by Informed Eldercare Decisions, Inc. of Dedham, MA, a nationally known, independent long- term care consulting firm.

The new web site provides a virtual encyclopedia of elder care and long-term care information to enable consumers to determine whether or not long-term care insurance or other funding alternatives are best suited to their personal situation.Bob O'Toole, President of

Informed Eldercare Decisions, Inc. describes the company mission statement in one sentence; "We help family caregivers to find the best care available and the most practical way to pay for that care." .

"The unifying focus of our web based long-term care information and education sites, which include elderlifeplanning.com and eldercareatwork.com is to raise awareness of the serious shortcomings of nursing home care, and to encourage the goal of "least restrictive alternatives" for those who need care. A better understanding of such funding alternatives as long-term care insurance, reverse mortgages, and life settlements allows those who need care to have broader choices and prevent nursing home placement.

Avoidmedicaid.com provides in depth information is on subjects such as; Home Health Care, other community care alternatives, Assisted Living Facilities, Nursing Homes, and other service choices.

The often confusing subject of long-term care insurance, is explained in "plain english" as are related topics such as; federal and state tax advantages for those who purchase long-term care insurance. These deductions are especially favorable to business owners and self employed individuals.

Visitors to avoidmedicaid.com also have unlimited access to a section known as "LTC School". This allows consumers to navigate through several pages explaining what long- term care is and why planning for these costs now are essential to any retirement or financial plan. Using the LTCI Tool Kit at avoidmedicaid.com allows you to find out the costs of care and what insurance premiums are likely to cost at a specific age in a specific state, without providing any personal identifying information.

About Informed Eldercare Decisions, Inc.

Informed Eldercare Decisions, Inc. is a private company dedicated to helping family caregivers to find the best care alternatives any where in the U.S. IED specializes in helping families who are dealing with issues of aging and disability, including non-geriatric adults. When necessary our eldercare professionals can step in and become surrogate caregivers for the family. We help caregivers coordinate the work of the many service providers who are involved with the complex business of planning and care giving. This includes doctors, nurses, therapists, financial and legal advisors and home care or facility staff.

Website: http://www.elderlifeplanning.com

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