With the Status of Obama-Care Health Plan up in the Air Lately, it may be Time to Discover the Benefits of Long Term Care Planning through the CPLTC

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Robert Cardona LTC Insurance Solutions Inc. maintains that the grandparents of this generation had it right - dying at home is a blessing. Long Term Care away from the privacy and comfort of the home was unacceptable.

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"80% of institutional health care is business for profit; business that is increasingly accommodating the growing numbers of survivors, people, who in their last years are progressively vulnerable to neglect in the competitive environment."

Robert Cardona of Robert Cardona LTC Insurance Solutions Inc. announces a spartan long term care insurance plan for all to consider. Families separated by distance are increasingly turning to institutional care, ominous bodings... especially for those who celebrate what longevity science promises, but do not consider the quality of that life. Patients who find themselves competing for care will understand too late that prompt attention and privacy are synonymous with dignity - attributes poorly conserved in institutions.

The grandparents of the current generation had it right - dying at home is a blessing. People were the masters of their own fate. Euphemisms such as "dying in the saddle" or "dying with your boots on" spoke of independence, CARE away from the privacy and comfort of the home was ignominious.

Today, more convenient standards prevail. In the absence of prior planning by individuals or family for in-home custodial care, institutional care becomes the path of least resistance for resolving custodial care needs. In the new social paradigm, families fragmented by distance are increasingly turning to convalescent hospitals as the right thing to do. Statistical evidence indicates, "Of those who enter nursing homes, 55% will have a total lifetime use of at least one year, and 21% will have total lifetime use of five years or more." (Source - Guide to Health Insurance for people with Medicare - 1999 data) Work observations reveal that life in these last years is experienced in increments of progressive debility in Activities of Daily Living (ADL)'s -- 1) bathing, 2) dressing, 3) eating, 4) continence, 5) toileting, and 6) transferring; declines often punctuated by 911 calls.

The obvious must be stressed. Medical science exists to promote and prolong life, not to extinguish it. Ominous bodings for those who celebrate what longevity science promises, but do not consider the quality of that life. Planning while in good health for custodial or hospice care service for a minimum of two years in the home can be beneficial for anyone.

Doctors with experience in geriatric rehabilitation, working to promote patient safety and functional independence in ADLs, will acknowledge the laments of many patients wishing they were home and could receive care there. It is only when people need help to get to the bathroom safely, or prompt attention to other personal care, that the laments are to be fully appreciated. Patients understand too late that prompt attention and privacy are synonymous with dignity - attributes that are poorly conserved in institutions.

In order to promote and advance a higher quality of life, Robert Cardona has received the special training required to market the California Partnership Policies. As a health care provider for the past 20 years, he is in accordance with the philosophy of Occupational Therapy, which promotes self-esteem through emotional and physical well being throughout all of the human experience. This advocacy promotes a return to the peace of mind and dignity that the forefathers of the current generation knew. What was once taken for granted, must now be planned for.

Medicare Does Not Cover:

  • Custodial care (personal care), laundry, shopping, meal preparation
  • Services performed by relative or household member - at home
  • Services not reasonable or medically necessary

Medicare Supplements must follow Medicare guidelines and will not pay for services Medicare does not approve.

New Medicare Co-Pay for Skilled Nursing Facilities:

  • Day 1 - 20             100%
  • Day 21 - 100         $144.50 per day (2012)

Source - Guide to Health Insurance for people with Medicare - 2012 data

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Jennifer Ferguson

Robert Cardona

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