Monthly Archives: November 2009

Americans Flunk Long Term Care Insurance Planning Quiz

When it comes to knowledge about long term care insurance planning, Americans received a failing grade.

Long-term care poses the single largest risk to Americans living on retirement savings and income according to the American Association for Long-Term Care Insurance, the industry trade group. Yet, few have the facts correct when it comes to understanding available planning options.

As the U.S. population ages, the percentage of people older than 65 will increase from about 13% in 2009 to 20% in 2040. Part of the projected increase is due to an increased life expectancy beyond age 65. After retirement health insurance and Medicare provide very little long-term care benefit, if any, according to financial planning professionals.

The results of a just-released national study of individuals between 40 and 70, most reported knowing what long-term care is and how much it costs. But their scores fall short when it comes to knowing what percentage of people will need long-term care and how they will pay for it.

According to the study conducted by the MetLife Mature Market Institute, just about four in ten adults (36%) know that 60-to-70 percent of 65-year-olds will require long-term care services at some point in their lives. Just over one-third knew that most long-term care services are received at home. While the number of respondents answering correctly (37%) increased since the 2004 survey (18%), awareness is low overall.

Few participants in the survey reported that they are taking action to protect themselves from such potentially catastrophic expenses; only 18% know long-term care insurance rates are based on age, but almost nine in ten (87%) are aware that a comprehensive long-term care policy covers home, assisted living and nursing home care.

The survey also reported that eight in ten respondents (85%) understand that long-term care could have many causes, such as Alzheimer’s disease, an accident or a chronic or disabling condition. More than four in ten (43%) are able to correctly identify the national average monthly cost for assisted living.

Written by Jesse Slome from the American Association for Long Term Care Insurance


Jesse Slome

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Book Review: The Heart of Health reveals 14 key principles for unlocking lifelong health and vitality

I’ve often thought that when you turn 18, someone should hand you a “user’s guide” for peak human health — a document that would teach us the basics we need to know for staying healthy and productive.

There have been attempts at a health-oriented user’s guide in recent years, but they’ve mostly been too conventional, lacking in serious discussions about detoxification and real nutrition while avoiding topics like the harmful effects of genetically-engineered foods.

But now, there’s a book available that finally nails this issue head-on: It’s called The Heart of Health, but it’s not about heart health. It’s really about the foundations of health and vitality, and rather than listing a collection of remedies or solutions to specific health problems, it teaches the underlying principles of health and vitality that can be applied to any condition or desired health goal.

For example, instead of talking about diabetes, this book teaches you the powerful principles of cellular nutrition and “Physical Ecology”, giving you the knowledge you need to allow your body to heal diabetes, liver disorders, heart problems and a multitude of other problems that often stem from common sources.

You can pick up this book right now from Truth Publishing:…

Master these principles to restore lifelong health

In The Heart of Health, you’ll also learn the core principles of “balanced metabolism,” body detoxification, stress management, mind-body power and the revealing truths of “inner / outer connection.”

If these sound complicated, they’re actually not. Although they are, indeed, advanced concepts, they are simple to understand, and they’ll serve you for a lifetime.

You might even say these are the master keys to unlocking lifelong health. If a disease is like something locked in a vault where you don’t know the combination, this book is like a set of master keys that bypass the combination dial and unlocks the doorway to unlimited health possibilities.

Or, to say it another way, this isn’t a book that’s merely about how to avoid chronic disease or reverse serious health conditions; this is a book about ways to maximize your vitality so that you live a healthier, more energetic and more vibrant life! As the book explains, “Vitality is not a physical attribute. It is a feeling of well-being and the energy that comes from having optimal physical health. It is also the sense of high mental and emotional coherence.”

But how, exactly, do we even get to this point in health knowledge where we can unlock the secrets to turbo charge your vitality? Here’s how… (keep reading)

The three paradigms of health knowledge

In just the last one hundred years, our understanding about health has been uplifted from the very first paradigm (superstition) to a whole new level. Allow me to explain:

At the dawn of our current age of modern medicine, most of the explanations about health centered around superstitious causes for disease or health. If you caught a cold, for example, it was assumed you were being invaded by “evil spirits” and the way to eliminate those evil spirits was to bleed a pint or two of blood out of your arm.

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Exercise essential for patients with kidney disease

New findings show that exercise is essential for patients with kidney disease, before they develop end stage renal disease. Kidney disease is associated with early death. Regular exercise can prolong life for patients with kidney dysfunction.

Srinivasan Beddhu, MD (Salt Lake City VA Healthcare System and University of Utah), and colleagues researched the benefits of exercise for prolonging patients’ lives who suffer from chronic kidney disease (CKD) by assessing outcomes from a national survey.

Included were 15,368 adults- 5.9% of whom had CKD – in the National Health and Nutrition Examination Survey III, a survey of the US population. Participants answered questions about activity levels and then were followed for seven to nine years to find that patients with kidney disease who exercised the most lived longer.

Exercise among patients with kidney disease was so beneficial that even those who were classified as “insufficiently active” had a forty two percent less chance of dying early compared to those who were inactive. Kidney patients who engaged in regular exercise activity were fifty six percent less likely to die during the study.

Diabetes and hypertension –two major contributors to kidney disease – have reached epidemic proportions worldwide. Lack of exercise is associated with a majority of chronic illnesses.

According to a 2005 study, published in Kidney International,”The epidemiology of chronic kidney disease The world’s disease profile is changing, and chronic diseases now account for the majority of global morbidity and mortality, rather than infectious diseases. The causes of chronic kidney diseases reflect this change and diabetes, together with hypertension, is now the major cause of end-stage renal failure worldwide, not only within the developed world, but also increasingly within the emerging world.”

In addition, the incidence of diabetes has been predicted to double by year 2030, especially in developing countries. Remaining physically reduces the risks of dying prematurely from all causes. Exercise is now found to be essential for patients with kidney disease, and should be started early. Remaining active can also facilitateweight loss, in turn improving kidney function, according to a review September 2009 from Cleveland Clinic.

The authors say “These data suggest that increased physical activity might have a survival benefit in the CKD population. This is particularly important as mostpatients with stage III CKD die before they develop end stage renal disease. The findings show that exercise is essential for everyone, and can extend the lives ofpatients suffering from kidney disease and kidney dysfunction.

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