When Sandra Kivkovich’s (name used with her permission) father was diagnosed with Alzheimer’s, the family decided they wanted him to be able to live in his own home. They didn’t want to put him in a nursing home. They didn’t know, though, how difficult it might be to arrange for home care.
Medicare will only pay the home health aide for one hour of care per day, however. And the home health aide can only help with personal care. What if you need someone to be there for more than an hour? And what if your loved one needs help with things like cleaning, laundry, and grocery shopping?
3 In 1 Oil is a very light, multi-purpose lubricant. It is better than the popular WD-40 for several things as it clings better/longer. Use it for hinges, for example – and use it sparingly. Powdered graphite is the best lock lubricant made. It’s cheap and easy to use – but use it very sparingly! It’s great for car door locks and keyed-padlocks, also.
FINANCES – What can you afford? With elderly home care providers you can either find one privately or through a company. Going through a company can assure you that if your regular provider is out for an illness or vacation that you will have coverage. A private individual may be a little cheaper but there is a lot more foot work that needs to be done to find the right trust worthy responsible help you are looking for.
Ringworm is a fungal infection that may affect the skin, scalp, or nails. It is one of the most common skin conditions out there – one estimate by the U.S. Centers for Diseases Control and Prevention (CDC) puts the number of those carrying the disease at approximately 20 percent, during any given time period.
But here’s the Big Secret, the secret that your broker hopes you never find out about, the little secret that can save you 30% or more on your policy instantly – and it’s so simple you may not believe it can really save you so much.
Guaranteed issue policies, on the other hand, will have a waiting period instead of health questions. That way, almost every senior can be accepted. But if the insured person dies before the period ends, the family may not be entitled to the whole face value. Instead they may get the premiums returned, with interest, or they may get some percentage of the face value. You must look at the individual policy for details.