Skip to content Skip to sidebar Skip to footer

Scared Death Row Mother Dog Clings To Her Babies At The Shelter


"She was frightened and wanted to protect her babies," "She was shaking. Visibly shaking."

"She became a little bit aggressive," "That's not uncommon, especially in a shelter environment. Dogs are scared and protective."

"They know what's going on for sure," "She knew what was happening and was scared and trying to protect her babies."

That aggressiveness earned momma, along with her puppies, a kennel in isolation. From there, her next stop was likely to be the final one.

And there was a chance her babies would also join her on the euthanasia list.

"It doesn't happen often, but they do and they have and they will," "But usually a rescue will step up for puppies."

Okay everyone this is an emergency , this momma and her babies will be euthanized , rescue pays for everything !! We need a foster please !! It literally will save their lives.

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Iberia Parish Animal Shelter at +1 337-364-6311
2017 Seaway Access Rd, New Iberia, LA 70560
For many Americans, buying insurance to cover your home, car and health is standard practice. But long-term care insurance is a mystery for many, even though it offers important financial protection against some of life's uncertainties.

The goal of long-term care (LTC) insurance is to protect the policy owner from footing the entire bill of an extended stay in a healthcare facility, such as a nursing home or rehabilitation center.

Because there's no telling whether you will need long-term care in the future, and the costs can run very high if you do, it's worth your while to learn about your long-term care insurance options and make an informed decision.

It's possible that at some point later in life you may need specialized care. For example, as you get older, your physician may discharge you to a nursing home following a hospitalization for surgery or illness. Fortunately, Medicare will cover qualified stays up to 100 days. Sometimes, however, deteriorating mental or physical health caused by an accident, illness or dementia will lead to an extended stay in a nursing home or ongoing in-home nursing care. When this happens, even families that are in a good financial position may need to balance the expense of long-term care with their other priorities.

While Medicaid will cover long-term care costs after 100 days, this federal program requires individuals to first deplete their personal savings, among other qualifications. For this reason, even individuals who are financially comfortable may want to carefully consider long-term care insurance.

Here are some factors to think about as you consider long-term care insurance:

· Your age and health may affect your eligibility. Purchasing a policy when you're relatively young and healthy may mean more years of payments, but it also helps you lock in a benefit that may not be available when you're older or in the event you experience a health issue. The cost of a policy tends to increase with age, particularly after age 60 when health problems start to become more common. If you have a pre-existing condition, or a family history of one, you may not be eligible to purchase certain policies. Carefully review the fine print to see if any conditions are excluded from coverage.

· Long-term care insurance policies come in many forms-from barebones to all the bells and whistles. Price is only one factor to consider. Compare components of the policies side-by-side to see which plan may make sense for you. Evaluate facilities and programs in your area so that you can match your service expectations with what various policies may cover.

· Most plans are tied to the need for assistance with a pre-determined number of activities of daily living (ADLs) such as dressing, showering and eating. You will pay more if you want a policy that requires fewer concurrent ADLs to trigger benefits.

· Consider nursing home costs in your area to determine whether you want to buy coverage on the higher or lower end of the spectrum. Choose a daily benefit - or the amount of expenses covered each day - you can live with, as you will be expected to make up the difference.

· Most plans have an elimination period, which is the amount of time that must elapse before your insurance covers the bill. This "gap" in benefits ranges from 30 to 180 days. You are responsible for 100 percent of the costs before your benefits begin.

· Inflation protection is a common plan rider that can help offset rising costs of care by increasing your eligible lifetime benefits under the plan. It's worth considering if you can afford the cost of a more generous lifetime limit.

Your financial advisor can help you calculate whether your projected future income and assets can withstand the cost of long-term care if the need arises. If there's any doubt, a long-term care insurance policy may make sense. Together you can review your options and choose a plan that helps you meet your long-term goals for financial security.

"Never let the truth get in the way of a good story,". I am sure Mark Twain wasn't thinking about Long-Term Care or today's news media when he said this long ago. Today it is very easy to place a news story for people to consume. Between traditional TV and radio, an expanded 24/7 news cycle with cable news there is a lot of information available. The biggest difference today, like the old days when anyone with a printing press could print anything they like, now you just need a computer to create a news story. It seems almost everyone has a computer or smart phone and they are not afraid to use it.

The topic of Long-Term Care has become a big one with an aging America. By 2030, 1 in 4 Americans will be over the age of 50. By 2050, 1 of every 5 Americans will be 65+ according to data from data from the Centers for Disease Control and Prevention. It seems like once you get around the age of 50 the conversation about Long-Term Care starts coming up. In today's world that means you hit the internet and see what information you can find. However, some articles are providing misleading or even completely erroneous information on Long-Term Care Insurance.

We have heard the term fake news, but perhaps the best way to define what is being written about Long-Term Care is just "lazy news" or "advocacy news". It seems like everyone with a computer, including myself, has an agenda. How much of this is "truth" is a matter to discuss.

Generally, there is more to a story... and the stuff left out is usually very important. The stories about Long-Term Care insurance premium rate increases are very misleading. They usually leave out many details. The reporters or "professionals" writing these articles often have an agenda to push the public in one direction or another.

The other thing to remember is the internet is also "old news" as nothing on the internet usually gets deleted. You may find and read something that is old but that story may have been updated numerous times since the first story was published making the information you are reading outdated. You must do more due diligence today to see if you are getting accurate information.

Since the issue of planning for the financial costs and burdens of aging is so important to American families you should know the facts. Often the reason the articles talk about premium increases is to scare the consumer. Maybe the writer wants the government to pay for all long-term care (not going to happen as too many people require care and budgets are tight as it is trying to take care of those with little or no savings). Perhaps the writer wants to have the consumer spend large sums of money of certain type of financial product they are selling. The consumer should understand the truth, so they can plan in advance with more peace-of-mind.

These increases that are being reported are primarily on "legacy products" These are older plans that were priced well before the interest rate crash and rate stabilization regulations.

Today, all plans are priced with the very low interest rate environment in mind (interest rates have been low in the United States over the last decade). These older plans which had increases were based on a few factors:

· Interest rates

· Lapse rates (meaning, how many people drop their policies. In practice, very few do, but this was not factored into premium pricing on many older plans)

· Claims and underwriting experience

These policies are paying huge benefits as well. In 2017 over $9.2 billion was paid in benefits to American families protecting assets and easing family burden.

The fact is these older policies were underpriced to start with and even with increases they still have outstanding value and huge benefits. Nobody likes an increase, but you must put that increase in perspective. Many of these people I speak with have huge benefits which have been increasing 5% compounded every year since they had the policy. Many have unlimited lifetime benefits as well. Since they have these huge benefits many can reduce the benefit or inflation factor to keep the premium the same. As their benefits increase far greater compared to the cost of long-term care they remain in an outstanding position.

Today's Long-Term Care insurance policies remain very affordable as people start purchasing plans prior to retirement. Underwriting is more conservative but since consumers are younger most people can still find an appropriate plan.

Experts say that the risks of increases are small but like anything there is always a chance of an approved increase. However, if you read some of the articles being published you would think the industry is dead and consumers no longer have any interest in the product.

The fact is there are still numerous insurance companies marketing Long-Term Care insurance. Consumer interest has never been greater. As I speak to other Long-Term Care Insurance specialists, like myself, we have all noticed a big increase in both consumer awareness and interest. Consumers are younger, more knowledgeable with the risks (often with first-hand experience with an elder parent or other family member) and we are bombarded with requests for information and quotes.

Consumers are seeking help from Long-Term Care specialists as most financial advisors and general insurance agents have limited knowledge and experience with the products, underwriting, policy design, benefit options and the federal/state partnership program which is available in most states. Therefore, some of these professionals push consumers into options they are more comfortable with despite the fact they might not be the best and most affordable way to address the costs and burdens of aging.

Long-Term Care Insurance, despite what you read, is very affordable for most people. With regulation and better pricing consumers enjoy additional peace-of-mind knowing they have a plan they can count on in the decades to come that will remain affordable once they retire and get older.

Many people can obtain outstanding coverage for under $150 a month, some even under $100. Premiums are based on your age at the time to get a plan, your health and the amount of benefits who wish to have. Most of the people I speak with nationwide are from ages 45 to 60.

A true Long-Term Care specialist will ask you numerous questions about your health, family history and retirement plans in order to make the proper recommendation. Anyone willing to give you "quotes" without asking very many questions should be avoided.

Long-Term Care insurance is custom designed. Plus, every insurance company has its own underwriting criteria. A true Long-Term Care specialist will represent most or all the major companies. They will have a keen understanding of underwriting and policy design. They should have processed many claims, so they have the first-hand knowledge of how these policies get used at the time of claim.

Finally, a real Long-Term Care specialist will not steer you to certain type of policy without spending time speaking with you to determine which type of plan fits your specific situation. Working with a Long-Term Care specialist will allow you to get the accurate information you seek. There are several reference websites for research:

LTC News offers articles and resources: http://www.ltcnews.com

US Department of Health and Human Services: https://longtermcare.acl.gov/

The main concern for most people is they understand caregiving is hard. An older spouse can't be expected to be a caregiver without impact their own health. Adult children and their own families, careers and responsibilities. Paid care is expensive and drains savings and impacts lifestyle.

For many, Long-Term Care Insurance is easy, affordable, rate stable income and asset protection. It reduces the burdens which your aging will have on your family. However, speak with a true specialist. There are not many Long-Term Care specialists with extensive experience, but I help people nationwide and a number of others like myself do as well.