Doctors agree: Long Term Care Insurance is a smart move

A recent radio program featured interviews with various experts in the field of health care and elder care on the subject of Long Term Care Insurance. Though approaching the subject from various angles, including a Long Term Care Insurance professional, a caregiver, a life coach, physical therapist, among others, they all agree that proper planning for the long-term care needs of both your elders and for yourself is smart. Long Term Care Insurance has gained a lot of ground in recent years as the baby boomer generation begins to retire and many are faced with the harsh realities of long-term care.

Services that assist with activities of daily living fall under the general umbrella of long-term care and are not covered by regular health insurance or Medicare. They are considered “non-medical” meaning that while an individual may be stricken with Alzheimer’s or dementia, rendering them incapable of being left alone, eating or getting in and out of bed, for example, these “side effects” of the disease are not considered medical and are thus not covered by health insurance. A Long Term Care Insurance policy is required to cover these costs, which can be significant. Healthcare experts and caregivers agree that Long Term Care Insurance is smart for planning for these long-term care scenarios.

I as a mystery shopper, decided to shop for long term care insurance after hearing about a friend who was having so much trouble trying to care for her father.  The info and inside info I gained was invaluable.

Jodie, a 56-year-old professional at the height of her career recently found out that her father had developed Alzheimer’s disease, a debilitating and degenerative condition that most often requires long-term care. He did not have any Long Term Care Insurance and had substantial but not exorbitant assets that he hoped to pass on to his children. So, Jodie and her husband decided that her father would need to move in with them for the time being. The emotional and psychological strain that came with this move was something that Jodie was not prepared for. In this case, the long-term care needs of her father were having an unforeseen and detrimental effect on Jodie. Watching her father deteriorate while trying to maintain a high-powered career and see her children off to college proved to be too tough for Jodie, and she was forced to take a leave of absence from her career to care for her father.  Good site for families struggling to find help caring for dementia patients: http://www.helpguide.org/articles/alzheimers-dementia/dementia-and-alzheimers-care.htm 

As healthcare experts and eldercare givers will report, these are hidden consequences of poor long-term care planning. Jodie’s situation above is, in many ways, a mild variation on this theme. She lives close to her father and had a large house with plenty of room for her family to accommodate the new arrival. Often, in today’s mobile society, children live many states away or on an opposite coast from their parents and must uproot their entire lives to care for their aging parent. But, this does not diminish the emotional and psychological trauma that Jodie has endured caring for her ailing father. She plans to purchase a Long Term Care Insurance policy now, while she is in her 50s and healthy to insure that her children don’t have to endure what she has gone through with her father.

There is a company my parents used called LTC Tree or found here https://www.ltctree.com/long-term-care-insurance/ help you the way they assisted Jodie with her Long Term Care Insurance policy. Sound advice on Long Term Care Insurance can be hard to come by, but we are experts in the options and can help you make the right decisions for you, your family and your future retirement plans.

The Road to Becoming a Mystery Shopper

The concept of being a mystery shopper is no mystery. It is a big part of market research. You will act as a watchdog where you will observe how employees treat their ‘regular’ customers. In some cases, there is very specific information that you have to gather during the job. You may be requested to ask certain questions or behave in a certain way and then provide feedback.

If you are a natural observer and an avid shopper, here are 5 steps to becoming a mystery shopper.

Step 1

Look for Legitimate Companies
You can find several ads looking for mystery shoppers. Once you get the name of the company, research on it and read comments and reviews from previous shoppers. If a company is asking you for a certain fee before you can get the job that should raise a red flag for you. These companies ought to pay you and not ask money from you. Looking for legitimate offers is probably the hardest thing to accomplish because there are truly many scams and shams that revolves around this type of job on the web.

Step 2

Apply Online
You must fill out an application form (usually online) to start presenting yourself to various companies that look for mystery shoppers. There are no special skills needed, just a knack for shopping and a keen eye for observation. Following directions is also crucial and you should have a talent in conveying what you observe in correct English.

Step 3

Prepare what you need
You basically need some internet access to check on your email every now and then for job offers coming your way. Most companies follow the first come, first serve rule. So if you check your email only once a month, chances are you won’t get any job at all. Some companies also require reports to be submitted via email. So make sure you have your gadgets and your connection ready.

Step 4

Shop and Do Your Job
Shopping. How hard can it be? Everyone does it every day. Once you are hired, get ready to do your shopping. This job allows you to purchase items at no cost or try out services for free. How cool is that? You can even dine out with a friend or your partner without paying a cent. There are some companies that may look for people who have some experience in similar jobs. It is recommended that you get as many jobs as you can, even those that are low paying ones, and charge it to experience.

Step 5

Complete Your Report
After shopping, make sure that you jot down notes for your report as soon as you can. Don’t wait till you get home before you do because you might end up forgetting what you observed. Your information should be accurate and your report should not be biased. Read what you wrote down, proofread and read again. Make sure you check grammatical errors, spelling and sentence structure. You should send your message across in a clear and simple manner.

Following the 5 steps to becoming a mystery shopper will surely help you land on this one-of-a-kind job faster than you think.