Results for "long-term care"

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Cognitive impairment, lower income drive higher LTC insurance lapses: Study

October 7, 2015

Cognitively impaired individuals are more likely to allow a long-term-care insurance policy to lapse even though they're more likely to need long-term care in the future, according to a new study conducted by the Center of Retirement Research...

The latest data on life insurance companies and long-term-care providers

September 20, 2015

Life insurance companies, ranked by direct premiums Company 2014 direct premiums ($M) Market share Metropolitan $11,261.1 7.66% Northwestern Mutual $9,516.4 6.48% New York Life $8,185.6 5.57% Prudential of America $7,731.1 5.26% Lincoln National...

Fidelity throws its weight behind longevity annuities

August 21, 2015

Fidelity Investments is giving its clients a new option for planning for the costs and risk of living longer. The retirement-plan services giant said Thursday it will offer a variety of deferred-income annuities to individual retirement accounts....

Elder care needs will transform advice industry

May 11, 2015

If you're like most financial advisers, you are focused on how to capture a piece of the lucrative IRA rollover market as baby boomers transition into retirement. But fast forward 10 or 20 years and those same clients may be less interested...

Advisers fall short on implementation of long-term-care insurance

May 5, 2015

Assessing long-term-care insurance needs is part of the retirement planning process, but advisers tend to fall short once the need for care actually arrives. Older clients are in a crunch at the moment as public spending and eligibility for...

2 health savings account changes clients can make to unlock their full potential

April 6, 2015

Few topics elicit a greater response from financial advisers than health savings accounts. This interest is warranted as rising health care premiums and the consumer-directed trend in health insurance have fueled meaningful growth in HSA popularity....

Bigger & Better

March 16, 2015

Though these billion-dollar babies are a diverse group, on the whole they appear to be growing their businesses faster, trimming overhead more aggressively, serving larger clients and generating more money for their owners than their smaller...

Genworth Financial struggling under the weight of long-term care costs

March 3, 2015

Here's an uncomfortable question: who's going to pay for mom or dad's nursing home bill — or yours, for that matter? The answer, for about 1.2 million Americans, is Tom McInerney. Mr. McInerney, 58, is the chief executive officer of Genworth...

Oscars shine light on Alzheimer's costs

February 23, 2015

Alzheimer's disease made it squarely into the nation's popular culture this year with its Oscar-winning leading lady, Julianne Moore, playing an early-onset patient in Still Alice, and an Oscar-nominated song crafted by a sufferer himself, Glen...

When to disenroll from Medicare

January 18, 2015

You hear so much about Medicare enrollment. At certain times of the year it's hard to escape it with advertising all around us. But what you seldom hear is that beneficiaries can disenroll from some parts of Medicare and enroll in other coverage...

Hybrid life-LTC policies are a hit among advisers

January 7, 2015

Hybrid products that combine life insurance and long-term-care benefits are getting their time in the sun among financial advisers. The marketplace for traditional long-term-care coverage has shrunk considerably in recent years as carriers contend...

National insurance registry falls short of goal line, tax extenders passes

December 17, 2014

Legislation that would have established the first national registry for insurance agents, facilitating practices in multiple states, was stopped one yard short of the goal line Tuesday night. A bill containing the provision died when it was...

If client tests positive, the next step is yours

November 30, 2014

A new blood test being developed to identify the likely onset of Alzheimer's disease up to a decade before current tools can offer financial advisers and clients great opportunities but also presents clients with a dilemma. To be tested or not...

Health savings accounts: Transforming health care, forcing hard choices

November 30, 2014

It isn't every day that an adviser would recommend that a client cut back on 401(k) contributions, but financial planner Ben Wacek recently suggested that an investor do that in order to better manage the cost of health care. The client, an...

Early detection of Alzheimer's would allow for better financial planning

November 18, 2014

A new blood test being developed to detect Alzheimer’s can identify the disease up to a decade before a clinical diagnosis can spot the signs, a development that should help financial advisers better plan for their clients’ future. “From...

Most Medicare beneficiaries overspend on out-of-pocket costs

November 16, 2014

Studies consistently show that 90% to 95% of Medicare beneficiaries are overspending on their out-of-pocket health care costs. How is that happening? Generally speaking, most people don't understand their coverage and the choices they can make...

Prolific U.S. oil production raises questions about a new tipping point

November 14, 2014

U.S. oil production has reached its highest level since 1986, and oil is down to below $75 a barrel. It feels good now, but there are downsides to cheap oil, and the U.S. doesn't control the price. U.S. on tap to be the world's largest oil produce.r...

How Social Security annual increases are calculated

November 7, 2014

Some topics are a lot more controversial than others. But I was amazed when my October 1, 2014, article that correctly predicted next year's 1.7% cost-of-living adjustment for Social Security benefits several weeks before the official announcement...

Early onset Alzheimer's: When plans are upended

November 3, 2014

Ken Sullivan and his wife, Michelle Palomera, seemed like ideal clients. Both had well-paying jobs in financial services and had been diligent savers. Their financial adviser helped them cover their bases, building their money in managed accounts...

Unraveling Minds

November 3, 2014

In January, Michael Kotin, a financial adviser at Wells Fargo & Co., faced a dilemma. Two longtime clients, Eugene and Cecilia Ratner — a couple who had been married for around 60 years and who were both well into their 80s — were accusing...

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