Yes, "at" can be the first word of a sentence for a grammatically correct sentence. Usually, at is used to start a subordinate clause. A subordinate clause is the part of a sentence that isn't correct all by itself. An example of a subordinate clause is "At my house". Notice that the previous sentence is a fragment. It is a subordinate clause. However when you add an independent clause, (the part of a sentence that is correct all by itself) you have a grammatically correct sentence. An example of a grammatically correct sentence that includes a subordinate clause is "At my house, my friend lost his tooth". In almost all cases, at can be used to start a sentence. Use your common sense or ask a teacher, etc. to find out when using "at" to start a sentence is incorrect. For your help, I will write some examples of when using "at" to start a sentence is correct, and when it is incorrect.
Correct:
-At a mountain I saw an experienced hiker climbing without safety equipment.
-At soccer practice I scored a goal.
Incorrect:
-At the park. (Fragment)
-At the football game.
(While the two incorrect sentences could be used as answers to questions, they are fragments, which makes them grammatically incorrect.)
Having trouble with my description of subordinate and independent clauses? I have given you some examples of both to clarify. The words in italics are the subordinate/independent clauses.
Subordinate Clauses in Sentences:
At a mountain I saw an experienced hiker climbing without safety equipment.
The subordinate clause in the previous sentence was "At a mountain".
Independent Clauses in Sentences:
At a mountain I saw an experienced hiker climbing without safety equipment.
The independent clause in the previous sentence was "I saw an experienced hiker climbing without safety equipment".
Note that in most cases, English teachers would prefer the independent clause to be at the beginning of the sentence as this makes the sentence clearer to the reader.
Some risks with long-term care insurance include premium increases over time, potential limitations on coverage, and the possibility that the policy may not fully cover all long-term care costs. It's important to carefully review the policy terms and understand the exclusions and limitations before purchasing long-term care insurance.
Long term care insurance premiums are determined based on various factors including the applicant's age, health status, desired coverage amount, and any optional features selected. Premiums may also vary depending on the insurance company, the state in which the individual resides, and the type of policy chosen. Generally, premiums are higher for older individuals and those with pre-existing health conditions.
Long-term care insurance typically begins when an individual needs assistance with activities of daily living, such as bathing, dressing, or eating. The policy will outline the specific criteria that must be met for benefits to start.
Activities of daily living (ADLs) in long-term care refer to basic self-care tasks essential for daily functioning, such as eating, dressing, bathing, toileting, transferring, and grooming. Long-term care facilities support residents in performing these tasks when they are unable to independently, ensuring their well-being and quality of life. Staff members assist with ADLs based on the individual needs and abilities of each resident.
Advantages of long-term care insurance include coverage for expenses related to nursing home care, assisted living facilities, and in-home care, which can help protect savings and assets. However, disadvantages may include high premiums, limitations on coverage, and the possibility that premiums may increase over time. It is important to carefully consider your individual needs and financial situation before deciding if long-term care insurance is right for you.
The elimination period in long-term care insurance is like a deductible, representing the number of days you must pay for care before insurance coverage kicks in. It typically ranges from 0 to 180 days, with longer elimination periods leading to lower premium costs. Choosing a longer elimination period can help reduce premiums but means you'll need to cover care costs personally for a longer period of time before the insurance starts paying.
It is less likely for an 88-year-old with dementia to be approved for long-term care insurance due to their age and medical condition. Insurers consider factors like cognitive impairment and age when evaluating applications for long-term care coverage. It's best to consult with insurance providers to assess eligibility and discuss available options.
Long-term care refers to a range of services that support individuals who need help with daily activities over an extended period due to chronic illness, disability, or cognitive impairment. Types of long-term care include in-home care, assisted living facilities, nursing homes, and memory care facilities. Each type of care offers varying levels of support based on the individual's needs.
Premiums paid for individually owned long term care insurance are typically tax deductible up to certain limits, based on the age of the insured person. Benefits received from the policy are generally not taxed as income. It's recommended to consult with a tax professional for specific advice tailored to your situation.
It may be challenging for an 80-year-old to obtain long-term care insurance due to age-related health concerns and potential limitations on policy options. Insurers may have strict age restrictions or higher premiums for older applicants. It's advisable to inquire with insurance providers to explore available options.
Yes, a grandfathered insurance policy can typically be changed, but any changes might result in losing grandfathered status and being subject to current regulations or requirements. It's important to review the policy terms and consult with the insurance provider for specific details on making changes to a grandfathered policy.
Long term care insurance typically covers assistance with activities of daily living, such as bathing and dressing, when a person is unable to do so themselves. The insurance may also cover care received in various settings, such as at home, in a nursing home, or in an assisted living facility. Additionally, long term care insurance may have waiting periods before benefits kick in and may have limits on the amount of coverage provided.
Typically, long-term care insurance policies have a waiting period known as the "elimination period," during which you must pay for care out of pocket before the insurance coverage kicks in. The length of this period varies by policy but can range from 30 to 180 days. It's important to review your policy details to understand the specifics of your waiting period.
Not necessarily. Temporary disability benefits are typically paid for short periods of time while an individual is recovering from an injury or illness. Long-term disability benefits may be a separate coverage with different eligibility criteria and coverage terms. It is possible for an insurance company to offer short-term and long-term disability insurance as separate policies.
Mass Mutual introduced long term care insurance in 1997.
It's generally recommended to consider purchasing long-term care insurance in your 50s or early 60s when premiums are more affordable and you're more likely to be approved for coverage. However, it ultimately depends on your financial situation, health status, and personal preferences.
A long term care resident is an individual who resides in a facility that provides ongoing care and assistance with daily activities due to physical or cognitive impairments that prevent them from living independently. These facilities typically include nursing homes, assisted living facilities, and similar institutions.
CLOAS is a software package for use in the insurance industry. It was originally created by an Australian company, Computations, and is used by a small number of companies around the world. The acronym CLOAS stands for Computations Life Office Administration System.
As of now, only a few states in the U.S. have adopted the Long-Term Care Model Act. These states include California, Oregon, and Washington. The act aims to provide a standardized approach to regulating long-term care insurance in each state.
The benefit period for long term care insurance can vary and typically ranges from two to five years. Some policies offer lifetime coverage, providing benefits for as long as the insured requires long term care. It's important to carefully review your policy to understand the specifics of the benefit period.
Typically long term care insurance policies do not offer benefit periods of less than one year. This is because long term care needs typically require extended periods of coverage, often spanning several years. Having a benefit period of less than a year may not adequately cover the costs associated with long term care services.
The age cut off for qualifying for long term life insurance varies depending on the insurance company, but it is typically between 75-85 years old. Applicants over this age may find it more difficult to qualify and premiums may be significantly higher.
To use long term care insurance to pay for assisted living care for your mom, you will need to review the policy to ensure that assisted living is a covered benefit. Contact the insurance company to understand the specific requirements for coverage and the process for submitting a claim. You may also need a healthcare provider to document your mom's need for assisted living care to support the claim.
To check the status of an old policy, you can contact the insurance company directly either through their customer service phone number or online portal. Provide them with the policy details, such as the policy number and your personal information, and they should be able to provide you with the current status of the policy.