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9/29/2015 4:30:35 AM

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In long term care (LTC) planning people ould not be made to choose beeen private long term care insurance and Medicaid because in long term care Partnerip states it is possible to enjoy the benefits that eh offers.Through long term care insurance (LTCI) policies that conform with the standards of the Partnerip LTCI Program Womens Breshad Perriman Jersey , a joint effort beeen the ernnt and private insurance industry, the public is given the alternative to purchase LTC coverage that is within their budget. Should they decide later on to apply for Medicaid coverage to receive ongoing care, they will be allowed to keep a higher amount of their assets than what Medicaid would normally allow as Partnerip-qualified policies carry a special feature dubbed asset disregard or asset protection. The asset disregard feature of a Partnerip-qualified LTCI policy grants a policyholder freedom to keep a part of his assets that is equivalent to the total amount of insurance benefits that he has received.For example, an individual with a Partnerip LTCI policy has received a total amount of $225,000 in benefits, so when he applies to Medicaid to receive further care or to continue treatnts or therapies inclusive in his doctor’s prescribed plan of care, he will be able to exempt his resources that total $225,000 from Medicaid’s spend down rule. Without a Partnerip policy or with the standard LTCI plan Womens Jonathan Ogden Jersey , the insured individual above would’ve been required to spend down his assets until these et Medicaid’s requirent and only then all he be allowed to apply for coverage. Long Term Care Partnerip StatesNearly all 50 states have already implented the Partnerip Program which was set forth in the Deficit Reduction Act of 2005. However, the Program did not take effect simultaneously in all U.S. states and this is the reason of the varying issuance dates. Buyers of Partnerip LTCI policies have to be very particular about the issue date of their policies. For their policies to be of Partnerip status these must’ve been issued after the date that the Partnerip Program took effect in their state of residence. Aside from the issue date of their policies, Partnerip policyholders ould also check if their contrts et federal tax requirents because all Partnerip LTCI policies are required to be tax-qualified aording to Section 7702B(b) of the Internal Revenue Code of 1986. In addition, such policies ould include consur protection as defined in the NAIC LTCI Model Law. Partnerip LTCI policies are also expected to provide inflation protection that is based on the age of policyholders at the ti they purchased their coverage. For instance, policyholders aged 60 or younger ould receive pound annual inflation protection. Those who are beeen 61 and 75 ould be provided so level of inflation protection while those who are at least 76 years old have the option to avail inflation protection but they are not required to.Should you need additional information about long term care Partnerip states you can contt the departnt of insurance in your state of residence. Now if you happen to know a licensed LTCI agent in your area, then much better because you’ll get a prehensive explanation. --- If you have acne-prone skin, you can treat it easily at home by making a homemade acne mask. Homemade face masks for acne can be made using a variety of ingredients, some which help alleviate the oiliness of your skin and some which help to heal the blemishes themselves. For maximum results Womens Marshal Yanda Jersey , an acne facial mask can be applied daily as long as it does not irritate or overly dry out your skin. Here are some recipes to get you started in making your own acne face mask:

Bentonite Mask
Bentonite, or green clay, is a highly absorbent clay that draws out excess acne-causing oil from your pores. It is extremely effective while also gentle on the skin.
1 tablespoon of bentonite powder
1 teaspoon of apricot oil
2 drops of lavender oil
Mix the ingredients together with several drops of water or as needed. Wash your face, pat dry, and apply the mask. Leave on for ten minutes and rinse well with water when done.

Honey Yogurt Mask
Honey contains natural anti-bacterial properties which help kill acne-causing bacteria, while yogurt helps to cool inflamed skin.
1 tablespoon of honey
1 tablespoon of plain yogurt
12 teaspoon of cinnamon
1 teaspoon of baking soda
Mix the ingredients together until the mixture is smooth. Wash your face, pat dry, and apply the mask. This homemade facial mask for acne is soothing and moisturising Womens Daryl Smith Jersey , and can therefore be left on for twenty minutes or longer. When finished, rinse thoroughly with cold water.

Oatmeal Honey Mask
Oatmeal has soothing and moisturizing properties that leave the skin feeling soft. Mix half a cup of quick cook oats with a quarter-cup of honey, and one cup of hot water. Leave for several minutes to cool before using. The mask should be applied while warm, and left on for 15-20 minutes. Rinse well.

Citrus Mask
Another cause of acne, besides oiliness and bacteria, is accumulated dead skin. When the dead skin cells mix with oil and bacteria, pimples are formed. This mask helps slough off those dead skin cells 5 minutes flat. Because of its acidity, it should not be used on inflamed or irritated skin blemishes.
3 strawberries Womens Terrell Suggs Jersey , mashed
1 teaspoon of lemon juice
12 a teaspoon of orange juice
Mix the ingredients well. Wash your face and pat dry, and wait several minutes so as to prevent irritation from this acidic mask. Apply the mask and rinse off after five minutes. Your skin will look radiant and soft.

Find more about Acne Mask and also about Remove Acne
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