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What Long-Term Care Costs

The cost of long-term care depends on where you live and the kind of care you receive. There are generally three kinds of long-term care: nursing home care, assisted living facility care, and in-home care. Nursing home care is the most intensive kind of care, and usually costs the most. Assisted living facility care is for people who do not need nursing home care, but who are unable to remain in their own homes. Home health care is the least expensive kind of care, and is generally for those who can still function well on their own, as long as they have some assistance from a home care worker.

Nursing Home Care

You might want to consider using your savings to cover the cost of your long-term care needs. Unfortunately, even the most well laid out plan is subject to unexpected challenges. In 2011, the national average cost of a semi-private room in a nursing home was $86,040 annually, according to 55pl.us. With an average stay of 2.4 years, that’s more than $206,496 per average stay.

Major metropolitan areas can be expensive for nursing home costs. An average nursing home in the New York City metropolitan area costs are between $96, 180 to $112, 356 annually; Washington, D.C. costs $108, 000; Hawaii costs $116, 760; the Massachusetts area costs $117, 480; New Jersey costs $106, 440; and the Pennsylvania area costs $91,680.

WAEPA says that the cost of nursing home care will likely rise dramatically over the next thirty years, reaching $275,000 per year.

Assisted Living Facilities

Assisted living facilities (which can also be called Assisted Care Communities or Domiciliary Care are a fairly new form of residential care intended for people who do not require skilled nursing care, but who cannot live on their own safely because they need assistance with their daily activities, such as bathing, dressing, or taking their medications. These types of facilities often bridge the gap between living at home and moving to a nursing home.

Assisted living facilities cover a wide range of possibilities, from group homes in which residents share rooms to luxurious private apartments. While services vary widely, a typical package may include a 24-hour on-call staff to help residents with bathing, toileting, dressing, and so forth; a call button in each unit for emergencies; help with managing medications; laundry and housekeeping services; meal service in a dining hall; and recreational and social activities. Residents who develop health conditions that require closer monitoring may need to move from an assisted living facility to a nursing home.

The cost for assisted living facilities typically runs from approximately $2,000 to $5,000 or more per month. The cost of a facility will depend on its geographic location, the housing environment, and the extent of services provided. Some assisted living facilities offer Alzheimers care, but others do not.

Home Care

Home care is another option for those who are unable to live at home completely independently. Home care can be an attractive option for those people who are able to function relatively well on their own, but who may need visits several times each week from a home care nurse, nurses aide, or home worker who can help with chores and other needs. People who require lengthy, daily visits may find it more cost-effective to move to an assisted living facility.

The average annual cost for at-home Long-Term care is currently approximately $20,000. Depending on the number of visits you need and your geographic location, that cost can be substantially higher.

Supreme Court Upholds Whisleblower Protections

The Supreme Court ruled on Thursday that government workers who speak out on issues beyond their own disciplines are protected against employer retaliation, a decision that encouraged advocates for federal whistleblowers.

The case — Lane v. Franks — involved Edward Lane, a youth program director at a community college in Alabama, who was fired by college president Steve Franks after he testified in a public corruption trial involving a state legislator on the college payroll who performed no work. Lane fired the legislator, Suzanne Schmitz, and she is now serving a prison sentence, according to a dispatch in The New York Times.

Lane was fired from his job and subsequently sued.

The Washington-based Government Accountability Project, which had filed a friend-of-the-court brief on Lanes side, welcomed the outcome on Friday.

All whistleblowers should be grateful that the Supreme Court recognized their indispensable role making a difference, GAP Legal Director Tom Devine said. If not for Mr. Lane, [Alabama] taxpayers [might] still be paying a so-called employee not to work. The court restored rights to state government workers that Congress already reinforced for federal employees in the Whistleblower Protection Enhancement Act of 2012. The decision should be applied to all contexts where public employees bear witness by testifying under oath.

US Department of Education – Education Benefits

The US Department of Education, like many federal agencies, offers education benefits designed not only to provide financial assistance but to offer valuable experience. In many cases, these benefits are extended not only to agency employees, but to anyone who meets the qualifications.

Please note that qualification requirements for these benefits may change over time. Contact the agency directly with any questions or to apply.

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Federal Employee Temporary and Term Appointments

Temporary and term appointments are used to fill positions when there is not a continuing need for the job to be filled. Neither type of appointment is a permanent one, so they do not give the employee competitive status or reinstatement eligibility. Because temporary and term employees do not have status, they may not apply for permanent appointments through agency internal merit promotion procedures, which are used for filling positions from the ranks of current and former permanent Federal employees. However, qualifying experience gained while employed in a temporary or term position is considered when applying later for a permanent position.

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