BARCELONA target Paulinho has been told by Guangzhou Evergrande that he will not be allowed to leave until the end of the Chinese Super League season.
Paulinho Claude Giroux Jersey , 28, helped Guangzhou to its second AFC Champions League crown in 2015 and has won two CSL titles as well as reclaiming his place in the Brazil national team since moving to Evergrande from the English Premier League.
Barcelona has reportedly offered 20 million euros (US$22.79 million) for the former Tottenham Hotspur midfielder.
“Regarding Paulinho, there is nothing to discuss until the end of the season,” Chinese media quoted Evergrande chairman Xi Jiayin as saying. “We completely understand his feelings. However Nolan Patrick Jersey , we hope he can understand the club’s situation. We can’t just let a core player go in the middle of a tough season.
“It is indeed a once-in-a-lifetime opportunity for Paulinho. However, in midseason it is impossible.”
The CSL ends on November 4 but Guangzhou’s season could run until November 25 if it reaches the ACL final.
Baby boomer couples cutting health care costs by pooling resources to reduce the cost of long term care premiums. Instead of buying for one, advisers and analysts say you can sometimes slash premium costs by approaching long term care insurance as a couple.
For those willing to shop around the following three strategies are worth exploring:
1.Shared care plans
In general, sharing long-term policies doesn’t eliminate the need for both partners to buy separate plans. But unlike traditional policies Wayne Simmonds Jersey , a special rider is tacked on to each to allow one spouse to dip into another’s benefits.
The main advantage of shared coverage is that if you need more than your current plan allows. But what happens if both eventually go over their allotted amounts?
If you’ve bought a contract with plenty of flexibility and terms that stretch over long periods, experts say that won’t necessarily be a problem. They point out that some providers offer policies that can cover an entire lifetime. A longer time frame usually means greater premiums. A lifetime policy can translate into extra costs when compared with short-term plans covering three- to five-years of long-term care.
“That can defeat the whole purpose of buying a policy that allows you to share benefits,” says Neil Gholson, President of LTC Finical Solutions Philadelphia Flyers Jersey , inc..
To make sure you don’t run out of benefits, Neil suggests at least four years of coverage. The Consumers Union senior policy analyst says that’s based on data showing nursing-home use averages around 2.5 years in long-term policies.
“Very few people spend more than five years in a nursing home,” Gholson said. “So if you’re going to get a long-term plan that shares care between spouses, look at a four-year term. Fewer years could be a little shy Matt Duchene Jersey , especially considering that policies can cover home as well as nursing home care.”
Best suited for shared care policies might be couples that want to buy shorter-term plans but still want some flexibility to reach into their spouse’s pool of benefits, he added.
2. Long term care partnership deals
Two years ago, Congress expanded to most of the country a program that had been running for years in less than a handful of states. It allows the total value of long-term-care policies to be counted against Medicaid requirements for drawing on personal assets to pay health bills.
But different states have different contingencies. For example, in New York consumers must purchase a long-term-care policy that covers at least three years in a nursing home and six years of home-based care. In return Erik Karlsson Jersey , the state pledges not to go after any personal assets once someone exhausts the benefits in their private policy, says Gholson.
“So Medicaid care becomes a free benefit without any strings attached,” he added.
States such as California and Connecticut use what’s termed dollar-for-dollar protection. In those cases, authorities count the value of a private insurance policy to determine the amount of assets that are protected against pay-down requirements in Medicaid.
It saves the states money because they’re shifting costs of long-term care to insurance companies. And it puts fewer burdens than we currently have on the entire Medicaid system.
For individuals Mark Stone Jersey , such partnerships can limit the size of policies they’ve got to buy. The trade-off is that if you buy less coverage than a state’s threshold to qualify for Medicaid, you’ll still wind up dipping into your savings.
“If you live in a dollar-for-dollar state, you might want to buy enough insurance to protect your entire portfolio in a partnership program,” Gholson said.
3. Ask insurance agents about discounts on bundled purchases
This could be the simplest way to savings.
Some carriers now offer promotional rates for two people that buy a long term care package at the same time.
Those are marketed as spousal discounts and can range between 15% and 25% off regular premiums. And if you qualify as extremely fit and healthy candidates Ottawa Senators Jersey , some carriers will even add another 10% discount on top.
Some things to consider:
Each of the three options presents different caveats. “People need to remember that the shared-care marketplace is a fairly new phenomenon,” said Cheryl Matheis, a health strategist at AARP. “They need to ask a lot of questions and carefully examine all of the details in each policy.”
1. Check the insurers’ history of changing prices and policy conditions. Only a few carriers haven’t hiked premiums.
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04.12.2018 10:13
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