How to Pick a Pineapple : Pineapples are picked when they are ripe and do not continue to ripen after they have been harvested, so if you want a tasty fruit it is important to know how and when to pick the fruit.
Ameriprise financial advisors are well-versed in the fine points of long-term care insurance and can help you decide if this insurance is right for you, provide guidance as you review policies, and incorporate provisions for LTCI into your financial plan.hy you need to be prepared for long-term health care. If you ever need long-term care, Medicaid covers only some of its costs. HMOs, Medicare and Medigap will not cover every health care expense either. As a result, out-of-pocket costs for long-term care could significantly impact your life savings.
Medicare may pay some long-term care costs. Medicare is a federal program that pays for health care for people over age 65 and for people under age 65 with disabilities. If you meet all the necessary requirements for Medicare, it will cover up to 100 days of skilled care in a nursing home, per benefit period. Insurance companies must give you at least 30 days to look over your long-term care policy after you receive it. 2  Read the policy carefully to be sure it has the benefits and features you want. 3  If you decide to return the policy within the 30 days, you will get a full refund of any premium paid.