Showing posts with label non-forfeiture rider. Show all posts
Showing posts with label non-forfeiture rider. Show all posts

Marketing, Selling, and Serving the Older Adult, Senior Citizens, Family Caregivers

Are your clients pleased by the fine quality service that you provide? Validating your clients’ endorsement of you through Certification as a Senior Approved Service will increase your client base. Senior Approved Certification leads a family towards a service like yours side stepping the possibility of connecting with a less than desirable service.

If you serve the older adult, the disabled or those with chronic illnesses you may qualify for an independent consumer-driven survey process leading to certification as a Senior Approved Service.

You will not pay for clients, leads or referrals. You will not violate HIPAA or the Anti-kickback rulings. You will not pay for membership or advertising space.

Certifications are offered for medical, non-medical, alternative healing practices, housing, elder-law, and financial planners – virtually any type of business that reaches this population. “We are building the ultimate one-call solution," states Barbara Mascio, founder. “Seniors are need of many kinds of service, including lawn care, handyman services and so on. We save the headache of shopping around and completely remove the guess work.”

Confident business owners recognize the benefits of being part of an exclusive network of Certified Senior Approved Services. See http://www.qualityeldercare.com/senior-services.html

Jean F. Wales, President of Wales Consulting LLC and Author of "Do It Now! An Organizing Handbook for Families and Senior Citizens writes Becoming a Senior Approved Service instantly raised the credibility of my book "Do It Now! An Organizing Handbook for Families and Senior Citizens. http://www.seniorsapprove.com/organizing.html

Ester Whitney, owner of Sweet Adeline's Home writes I feel I have been given a great opportunity to be the first Residential Home Care Provider to be approved by Senior Approved Services in the Dallas Area … everyone has been impressed … http://www.sweetadelineshomes.com/

Tony Latina and Peggy Schmidt, co-owners of Advanced Laser Solutions writes We have had nothing but positive feedback from the referrals from Senior Approved Services. They have been excellent to work with and we strongly recommend them. http://www.seniorsapprove.com/stop_smoking.html

Paul Stone, owner of Occasional Help for Seniors a general cleaning and handyman service writes We are so proud to be Certified as a Senior Approved Service. Putting this on our brochures, business cards and other advertisement pieces has clearly, without a doubt, increased our client base. Barbara is right; seniors need services but are afraid or confused about which one to call. http://www.seniorsapprove.com/occasional-help.html

See http://www.qualityeldercare.com/providers for details. Mention Savings Code 0630 when you apply for certification.

Barbara Mascio, Founder of Senior Approved Services - a National Network of Products, Resources and Services Endorsed by Seniors

Article Source: http://EzineArticles.com/?expert=Barbara_Mascio

Long Term-Care; 70 Million Americans Will Be Over 65 by 2003

We will all grow old; this is a given. We will all have health issues as we grow older, this also is a given. Many people work their whole lives and if they are smart end up with a paid for house and a little nest egg for retirement. This is a good 15% of the population. Good for us as we have a strong middle-class. But whether you are rich or poor there will come a time when you need long-term care. As a matter of fact statistics show tat 10% of use will need long-term care for 3-5 years.

The problem is that such care costs a good $135.00 per day now, not including any future inflation. So something you should be thinking about is; do you have adequate coverage to protect you life’s earnings, home and nest egg in the case you are somewhat incapacitated and need home long-term care? Many financial planners are recommending insurance for this; as a matter of fact currently it is all the rage.

When shopping for such long-term care insurance there are things you need to look for besides your basic costs of premiums and general services. Things such as an inflation rider to protect you; also a non-forfeiture rider should be in the policy. The non-forfeiture rider prevents the insurance company from completely canceling your policy if you miss premiums; instead you will get less services or care, but not loss of all benefits. There are also in some policies provisions for limiting premium increases. Insurers cannot raise an individual’s premiums but they are allowed to raise premiums for an entire class or category of folks. You need to make sure this will not happen and look for this in your policy.

Guaranteed Renewability is another provision you need to have; meaning they cannot cancel or refuse to renew your policy as you reach and older age of higher risk.

There are over 100 companies, which offer these types of insurance policies but only about 15 or so are any good. Other companies like some abuses in the Insurance Annuity Business may simply collect lots of premiums and then go out of business in the future, leaving you high and dry after taking your premiums. Please be careful and think about this.