Mark Citsay, CPCU,CLUwww.markcitsay.net

Some insurers increase premiums for cars that have higher rates of damage or occupant injury. And cars that do better in safety tests? They're more likely to get you lower rates.

Everyone could likely use life insurance at some point, but did you know that one in two Americans will need prolonged medical and personal assistance at some point in their lives as well? That's a fifty percent chance! With those odds, plus the very high costs of long-term care, the best time to think about helping protect your loved ones and your future is now.

With Medicaid, the government may limit benefits for specific services or require additional criteria be satisfied before approving or paying benefits. This may mean that Medicaid only pays for care in certain nursing homes or limits the type and number of home health care services. Do not compromise your level of care. Seek additional long-term care coverage.

Home health aides average $18.50/hour¹, and nursing home costs average $203/day². How long could you pay for these expenses before spending all of your savings?
¹ National Statistic: Genworth Cost of Care Survey, conducted by CareScout^®, April 2009.
² National Statistic: Based on rates for a private nursing home room. Genworth Cost of Care Survey, conducted by CareScout^®, April 2009.