Is it right to think that the Community Living Assistance Services and Supports Act (CLASS Act) is far better than the traditional long term care insurance? Despite not having restrictions and Adidas NMD For Sale , in fact, it welcomes anybody aged 18 and older to join there are still many people doubting its adequateness.
Majority of individuals doubting its effectiveness are expecting to receive long term care (LTC) in 20 years. These are mostly individuals in their early 50s or pushing 60. In spite of the program’s array of long term care (LTC) offerings, the fact that it’s still going to take long before people can apply for membership makes many people wonder if this is right for them.
The Secretary of Health and Human Services will present the provisions and benefit plan of the Act not later than Oct. 1, 2012, so applications won’t be entertained until January 2013.
Waiting for that day just strips many individuals of their hope to be able to secure a long term care plan. Most of them have had their LTCI applications disqualified due to a pre-existing condition. Upon circulation of the news that a health care bill has been signed into law last year, may spirits have been lifted but many of those who wish to be part of the program are scheduled to retire in three years’ time.
Even if they manage to apply for membership and pay a year’s premium, the fact that they won’t be eligible for cash benefits frustrates them.
Under the Act’s guidelines, only members of the working class that apply for membership will be able to receive cash benefits someday should an event qualify them for LTC services. Retirees and individuals who are already receiving care in LTC facilities, or at home, are excluded from joining, as they no longer have a source of monthly income.
CLASS Act members will not be entitled to cash benefits if they have not yet satisfied this health program’s five-year premium. Even if an incident triggers their disability a year after they became official members of the Act, they won’t receive anything.
What’s more, in three of those five years of paying your premium you have to be actively working and earning a regular wage otherwise you can be disqualified from receiving cash benefits.
Cash benefits from the Act start at a modest rate of $50 though it can go higher depending on the level of one’s disability. The Secretary of Health and Human Services will determine how much an eligible member of the Act should receive.
Perhaps for a home health aide a daily benefit of $50 will be enough but according to LTC experts this amount will not be enough to cover a day’s expenses in a nursing home or assisted living facility.
While elderly individuals are not so thrilled with what CLASS Act offers, members of the generation X consider this federally supported health program supplemental to their health care plan which is grounded in a well thought out long term care insurance policy.
What would it take to pluck you from your existing lifestyle - frustration, anxiety, compromise, putting up with kuckleheads who always seem to get ahead even though the sum total of their usefullness could fit in your little finger?
Believe it or not, one book could do it for you!
I'm not talking War and Peace either, I'm talking about 100 pages of fun, and some knowledge that anyone could put together given an above average motivation and the help of these 6 Power Writing tips.
Tip 1 - Book Writing Topic Selection
Pick a topic that people want to read about AND that you are passionate about.
Want to help people get healthier - why not review the latest low-carb diet craze out there and find out if it really works?
Can you develop 10 questions people would want to know about low-carb diets? Interview 10-15 people and you will have an interesting book to sell to the over 500,000 people per month that search for information on that
Tip 2 - Outline and Blueprint Your Book Writing
Start by deciding on 10-12 major areas to cover in your book.
For low-car diets, some examples would be:
- Background of Low Carb Diets - Low Carb diet Plans - Low carb diet foods - Low carb diet recipes - Health implications of low carb diets - Side effects of low-carb diets - Etc...
These will become your chapters.
Tip 3 - Break Each Chapter Into A Series of Questions
This is just one incredibly powerful book writing technique I learned from the best course I have ever read on writing - > What could be easier than finding 10-15 questions on each of your chapter topics?
Think them up yourself, or even better, search out common questions in discussion forums, support groups, and those already within your target market.
Tip 4 - Commit to writing 30-minutes each day
Your goal is to answer at least 3 questions each day - approximately 10-minutes per question.
You'll be amazed at how easy it is to sit down and just answer 3 questions each day.
No more freaking out about writing a book! No more pulling your hair out at getting started or fighting writer's block.
Writing a book can be fun, quick and easy using this technique.
Tip 5 - Avoid Premature Editing
Many of us are perfectionists. We will stew over 1 line for minutes or even hours.