Here is your January 2005 Newsletter from AM Warner Insurance
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Welcome to Our New Quarterly Newsletter

Allison M. Warner of AM Warner Insurance.In order to provide you with more valuable information, yet not flood your email in-box with notes too often, we have moved to a newsletter instead of a monthly newsletter.

You will find it a little longer, but with a variety of articles. If there is something in particular you'd like to learn about, just drop us an email and we will include it next quarter.

Feel free to email this to anyone else you feel might enjoy the information. Our website was updated this year so if you haven't visited lately, please come and visit again. We have added information on the products we provide and updated the information in all areas. Let us know what you think. We always value your feedback.

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It's a Shared Responsibility

As always we appreciate any referrals you provide. Most people don't even know that this type of insurance coverage exists and unfortunately many find out when it's too late, after something has happened.

It's a tough question to consider but, how would you feel if 6 months from now your brother, your sister or best friend became completely disabled, and YOU never told them about long term care insurance? Take the time to talk to those you care about. Let them know about our website. Email us and we'll give them a call to provide them the information they need. Our policy is that we never pressure or pester anyone. If they are not interested, they will not be contacted again. Help us to protect those you love.

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Don't Forget Your Tax Deductions

If you have a long term care insurance policy, don't forget that your premiums are tax deductible.

On your federal form, if you itemize your deductions, long term care insurance is deductible if you have medical expenses that amount to more than 7.5% of your income.

Don't forget your tax deduction for long term care insurance expenses.On your state form for Kentucky, the full amount is deductible from your income, whether you itemize or not.

If you own a business, your long term care insurance is treated like your health insurance and can be deducted as a business expense. The treatment of your premium as a deduction may depend upon how your business is organized. Please consult your accountant for the proper way of handling it.

Make sure you let your accountant know you have a long term care policy so they can deduct it. We have a special guide for accountants that details the treatment of long term care premiums on your tax return. Call or e-mail us your accountant's name, address and phone number and We'll make sure they get a copy of this valuable document.

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New Trends in Nursing Home Care

No one wants to end up in a nursing home. A majority of the clients I speak with on a daily basis want to stay at home as long as possible. There are times when your health dictates that a nursing home is the safest option for you. There is some good news if that is the case. Pioneering institutions across the country are emphasizing the "home" in nursing home and eliminating the hospital model as they pursue a goal of greater patient satisfaction.

Instead of striving merely to keep residents fed, dressed, and bathed, their objective is to provide patients with a living situation that will make them happier and ultimately, enhance their longevity.

I find this to be the case in many assisted living or Alzheimer facilities. The innovation is obvious in the interior design, which is decidedly non-institutional. Long corridors have been replaced with small neighborhoods of rooms divided by libraries, recreation rooms, sitting rooms and solariums. Many of the Louisville facilities have adopted this type of arrangement for the Alzheimer areas. The home environment helps the residents feel more comfortable and assists in the transition.

Residents have greater choice in how they spend their time.In terms of lifestyle, residents have greater choice in how they spend their time. They opt when to go to bed or what to eat and may request take-out pizza, trips to the mall and wine with dinner. Nursing assistants are given the ability to make more decisions and services are decentralized with more focus being given to the relationship between the residents and staff.

With 1.5 million people already living in nursing homes, the demand for innovation is strong. People want their family members to be in a pleasant surrounding and as they look into the future know they would like this as well. This is a fairly new model of thinking with nursing homes, but with the millions of baby boomers aging, you can expect to see more of this "home" focus in the future.

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Alzheimer's Association Memory Walk 2005 Bracelets

The Louisville chapter of the Alzheimer's Association is offering purple silicone bracelets as a gift for donors making a minimum $4 donation to the September 2005 Memory Walk.

These are similar to the yellow Live Strong bracelets. They are imprinted with "Taking Steps To End Alzheimer's". You can either contact the Alzheimer's office at 502-451-4266 or us at AM Warner Insurance, we have a supply of bracelets on hand as well. All contributions go to support the 2005 Memory Walk which this year is on Saturday September 10th at Waterfront Park in Louisville.

Alzheimer's disease is a brain disorder that gradually destroys memory and the ability to learn, reason, make judgments, communication and carry out daily activities. The duration of the disease varies from three to 20 years. Most people pass away an average of eight years after first experiencing symptoms.

The greatest risk factors are increasing age and a family history of the disease. The likelihood of developing late-onset Alzheimer's (over age 65) doubles about every five years after age 65.

Because Alzheimer's affects not just the person with the disease, but the family as well, AM Warner Insurance encourages everyone to look at long term care insurance as a way to protect your assets and your family. Due to the length of care of the typical Alzheimer patient, this disease can easily wipe out the average family's savings rather quickly.

AM Warner Insurance is an active participant in the Memory Walk and Allison Warner volunteers for the committee that organizes and conducts the Memory Walk. This will be our 4th year of participation. Won't you join us today in supporting this worthy cause by buying a bracelet?

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How to Stay Young

  1. Remember, there is no way you can look as bad as that person on your driver's license.

  2. Throw out nonessential numbers. This includes age, weight and height. Let the doctors worry about them. That is why you pay them.

  3. Keep only cheerful friends. The grouches pull you down.

  4. Keep learning. Learn more about the computer, crafts, gardening, whatever. Never let the brain idle. "An idle mind is the devil's workshop." And the devil's name is Alzheimer's.

  5. Enjoy the simple things in life.

  6. Laugh often, long, and loud. Laugh until you gasp for breath.

  7. Tears happen. Endure, grieve, and move on. The only person who is with us our entire life, is ourselves. Be ALIVE while you are alive.

  8. Surround yourself with what you love, whether it's family, pets, keepsakes, music, plants, hobbies, whatever. Your home is your refuge.

  9. Cherish your health: If it is good, preserve it. If it is unstable, improve it. If it is beyond what you can improve, get help.

  10. Don't take guilt trips. Take a trip to the mall, to the next county, to a foreign country, but NOT to where guilt is.

  11. Tell the people you love that you love them at every opportunity.

  12. Don't sweat the petty things and don't pet the sweaty things.

AND ALWAYS REMEMBER: Humpty Dumpty was pushed!

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What Color Are Your Vegetables?

Today, it is all about pigment power!For years, we've been urged to eat our vegetables, particularly green ones, but eating a broad array of different vegetables from all color categories is now considered essential to proper nutrition and good health.

Today, it's all about pigment power. Pleasing the palate and the eye with a range of richly colored vegetables helps the body too, because each color group offers a unique set of beneficial nutrients.

Nutritionists suggest it's healthful to eat a "rainbow" of produce every day -- tomatoes, blueberries, carrots, organs, spinach, broccoli, and garlic, just to name a few.

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January 2005



It's a Shared

Don't Forget Your
Tax Deductions

New Trends in
Nursing Home Care

Alzheimer Association

How to Stay Young

What Color Are Your


Allison M. Warner of AM Warner Insurance

Allison M. Warner invites you to visit our company website for additional information and insights on how to select the insurance products that are right for you.

Visit us on the Web today!

4704 Miles Lane
Suite B
Louisville, KY 40219
(502) 742-4979
(866) 582-2436
ext. 4211


AM Warner Insurance • 4704 Miles Lane Suite B• Louisville, KY 40219
(502) 742-4979 • (866) LTC-AGENT ext. 4211
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