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How to Understand Health Standards for Long Term Care Insurance Enrollment

Long term care insurance conforms to the basic insurance
mechanism, in that the individual risk of future peril is
shared by a pool of people who currently are free from that
peril.

The insurance pool is represented by the insurance company
which sets eligibility standards for enrollment to ensure a
hazard-free pool, so that actuaries can calculate
reasonable, standardized premiums for pool members who meet
the eligibility requirements and enroll in the risk pool.
In this way, members transfer their individual risk of
peril to the pool. The pool shares the risk for all
members and covers those whom actually experience the
future peril.

If you are thinking about applying for a long term care
insurance policy, please be aware that certain pre-existing
health conditions can make it impossible for some folks to
enroll due to health reasons. If you have any health
issues, this article can help you better understand long
term care insurance health requirements.

Do not apply for long term care insurance if you CURRENTLY:

* Use a multi-pronged cane, crutches, oxygen, walker or
wheelchair

* Require assistance with bathing, dressing, feeding,
toileting, urinary or bowel continence, or transferring
between bed or chair

* Use/need home health care, adult day care, assisted
living or nursing home care

* Require assistance with grocery shopping, use of
transportation, use of telephone or banking

( NOTE: These pre-existing health problems may make you
uninsurable for buying a new long term care insurance
policy. However, all the above health conditions WILL be
covered if they occur AFTER you you have purchased your
long term care insurance policy. )

In addition, do not apply for long term care insurance if
you CURRENTLY have:

* AIDs or HIV infection
* Alzheimer's
* Amyotrophic Lateral Sclerosis (ALS)
* Cystic Fibrosis
* Dementia
* Hemophilia (other than Von Willebrand disease)
* Hepatitis C, Non-A, Non-B, or Autoimmune (Active)
* Kidney Failure
* Liver Cirrhosis
* Memory Loss
* Multiple Sclerosis
* Muscular Dystrophy
* Paralysis
* Parkinson's Disease
* Post-Polio Syndrome
* Schizophrenia
* Sickle Cell Anemia
* Systemic Lupus Erythematosus

Every long term care insurance company has their own health
underwriting standards. Each company's health underwriting
standards may vary by state, according to each state's laws.

Note: As you increase in age, so does your risk for health
issues. Therefore, most long term care insurance companies
will require medical records for people over 45, medical
records and phone interview for people 50 and over, and
medical records plus a face-to-face health interview for
people over 70.

Be aware: If you think you can slip your health issues past
long term care insurance underwriters, then think again.
First, lying on your application is fraud. Second, it is
the underwriter's job to be very thorough when looking
through your medical records and assessing risk. Be honest
with yourself and with the long term care insurance company
you choose.

The upshot of all this is that folks must protect
themselves while they are still in good health.

If you fall within acceptable guidelines, then
"congratulations", as you can protect your assets and your
family's lifestyle stability now, then cross your fingers
and hope that you are not one of the nearly 45% of us who
will need care at some point in our lives.
Copyright (c) 2006 Clay Cotton

----------------------------------------------------
Long term care insurance activist, Clay Cotton, writes for
http://www.PrepSmart.com - The Online Baby Boomers Decision
Assistance Center, where you get Free Long Term Care
Insurance advice, comparative rate quotes and personal
guidance, all while safely at home in your favorite pajamas
and bunny slippers.

5 Weight Loss Success Secrets

This probably isn't the first time you have started reading
a weight loss article with the hopes of finding a new
training idea or totally secret fat busting strategy. I can
sympathize. I've seen clients spend months on routines and
techniques that were just the flavor of the month that got
some press. Its alright though, your about to learn some
real solid advice that's free of charge and will serve you
well on your quest to getting in shape.

The first secret of getting in shape and losing some weight
is to make sure you know what you are doing! Make sure you
have the proper information that you need to help speed you
toward your specific goal. Make sure you know how to eat
properly and train correctly to get that result you desire.
Power lifters eat and train differently than fitness models
and you should know the differences. The best way to
acquire this knowledge is through articles like this as
well as mimicking. Find an expert in the area you wish to
excel in and then follow their advice. While this can back
fire sometimes, it is still the surest bet to success.

The second step to success on your weight loss journey is
to make sure you can quantify your success. In other words,
know when you have achieved your weight loss goal. Make
sure you can measure it! Then once you know your weight
loss goal and how to measure it, you need to make a map to
getting there.

If you have a child, then you know the importance of
directions and sticking to a plan. If you are walking to
the store that is 10 minutes down the road, this trip could
easily turn into an hour if you didn't step in with
directions every now and then. You can picture it cant you?
Walking along, then there is a butterfly, then a cool rock
and look, a swing set! Sometimes to get things done in an
efficient manner, you need to know what you are trying to
accomplish and how you plan to get there. If you don't, it
could take you forever.

In the number three spot of weight loss secrets, we have
self-confidence and belief. Go ahead and tell me you can't
lose weight. Go ahead! Done? Good, now this is where I tell
you that you are absolutely correct. Shocking isn't it?
Cant is a word that makes you sit there defeated. Nothing
gets done in a defeated state! Its actually better to get
angry than defeated, because then at least you are spurred
to action. Trying is better than "Canting". Here is the big
mind smack though; belief is so strong that hypnotized
people that have an ice cube put on them but are told that
it is a hot coal, will develop a blister.

Sometimes you just have to fake it until you make it. Fake
that you believe in yourself until the concept doesn't seem
so foreign that maybe it will become true for you. The fact
of the matter is that you should believe in yourself
because with proper knowledge and dedication, everyone can
achieve their weight loss goals.

If you have been reading this far then the number four
secret of weight loss success is very, very important. Are
you ready for it? Here it is; Stop listening to every piece
of advice you get! This seems kind of ironic since here I
am giving you more advice, but it is still true. Nothing
can short circuit your forward momentum like a piece of
advice that is the opposite of what you have been doing. It
rocks your world! This can be good if you were just
shooting in the dark hoping for the best, but if you have a
solid weight loss plan that you were given by a solid
source and then get messed up by Joe the local gym expert,
you're sunk. Make sure that you are confident in your
information source right from the beginning and then
resolve to stick with that information. A lot of different
methods will work to achieve weight loss, but these methods
usually work as a system. Therefore, if you jump from
system to system, you will not get the benefits from any
given weight loss system.

We are almost at the end of our weight loss secrets for
today. Of course there are more weight loss tips and
tricks, but five is about right for a weight loss knowledge
snack. So onto the number five secret to losing weight;
Don't overdo it. Simple huh? Think about the number of
times you have started off with both guns blazing and then
ran out of ammunition. I know, I do this for a living. What
happens is that most people figure they are going to lose
30 pounds in 30 days and they are going to kick butt to do
it. So they start off all fired up, get real sore, their
immune system crashes, they get sick and then they give up.
Wow, that was like I had a camera following you, scary. Its
just that it happens to a lot of weight loss hopefuls.

So how do you avoid revving the engine and running out of
gas? You avoid rapid starts and stops. Ease onto the gas,
and maintain steady pressure. You only need to do
resistance training a couple of times a week along with 3-4
cardio sessions to realize your weight loss success. Don't
rush the cookies! You can't crank the stove to 600 degrees
and get home made cookies in 3 minutes. They will burn.
You'll burn out too if you rush your way to losing weight.

Here is the recap to weight loss success. Get the
information you need to achieve your desired goal that you
have picked out. Make a plan with success markers along the
way and believe every step of the way that you are going to
lose the weight this time. Fake it until you make it. Never
let anyone shake you confidence with bogus advice and
remember to slow bake your cookies!

Raymond Burton
http://www.buildingbodies.ca

----------------------------------------------------
Ray L Burton is a personal trainer and author of the best
selling internet ebook titled, Fat to Fit - The Journey.
You can learn more about exercise and wieght loss at
http://www.buildingbodies.ca and read more about his weight
loss book at http://www.fattofitbook.com

Best Diet Plan Available:

Best Diet Plan Available:

Diet Fads'Forget about 'Em

Another fad "best diet" bites the dust. Adkins Company filed for
bankruptcy recently after making a huge impact on the American diet
scene. Why did it fail' People used it and found it didn't work long term.

This should be no surprise to anyone familiar with what our bodies need
to function, and be well. Diet fads are just that'fads. They do not tend
to stick around long because sooner or later people realize that they
simply do not work in the long run.
Sure, you could try to eat only grapefruit for month, but the chances
are high that after a few days you will bag the entire idea and revert
to your old ways of eating. High protein diet fads were the rage for a
while, and it was virtually impossible to turn on the television without
hearing about how one celebrity or another follows the Atkins or Zone
Diet to look so svelte.

In reality, trying to omit certain foods from your diet permanently
rarely works for the long haul. If you try to ban whole grains, fruits,
vegetables, nuts, and legumes from your diet because they contain
carbohydrates, your body will step up the craving factor and you will
find it harder to resist these foods.

The body is set up to crave what it needs to survive. There is
absolutely nothing wrong with eating carbohydrates, especially complex
carbohydrates, because these foods do not make you fat. What makes
people fat is taking in more calories than are being expended on a daily
basis.

In other words, you may be eating healthy foods, but if you do not get
moving on a regular basis through exercise, your body will begin to pack
on the pounds. As we age, our metabolisms naturally begin to slow down.
That being said, it does not mean that you should severely restrict the
number of calories you take in to lose weight. On the contrary'what it
means is that you need to get active to boost your metabolism and keep
those calories from turning into extra fat. The best way to do this is
through a combined exercise program of weight training and aerobics,
three to five days per week as a minimum.
The important point to keep in mind is that food should not be
considered the enemy in the quest to lose weight. Wholesome foods
sustain us, give us the energy we need to survive the day, and aid our
cells in regeneration. If you need to lose some weight, I encourage you
to learn the facts, and apply them to your own life. Diet Fads are
worthless. Once you understand what it takes to lose weight safely, you
will realize just how much your body needs all types of food to help you
accomplish your goals.

If you need any questions answered, or if you just want a bit of
encouragement, feel free to send me an email at <a
href="mailto:supportltby@bellsouth.net">supportltby@bellsouth.net</a>. I
look forward to hearing about your success towards healthier living.

<p> About the Author
<p>Real nutrition, fitness and weight loss information for real people.
Learn how our everyday living environment impacts our health and wellness.
Click on the link to learn more:
http:www.livingtobeyounger.com