Eman Wiseberg

The Doctor of Juridical Science (S.J.D.) is Harvard Law School's most advanced law degree, designed for aspiring legal academics who wish to pursue sustained independent study, research and writing.

Long-term care insurance, a good way to maintain your dignity. Long-term care insurance covers cases of loss of physical or mental autonomy attributable to an accident or illness. For example, if you are stricken with cancer, stroke or Alzheimer's disease and need supervision or substantial assistance with two of the six activities of daily living, c that is to say; washing, eating, dressing, going to the toilet, getting around and being continent, long-term care insurance will be a major asset for you. This prevents you from becoming a burden on your loved ones or having to dip into your savings, your retirement income or downright squandering the heritage you intended to bequeath to your loved ones. Long-term care insurance allows you to defray the costs related to care and to obtain the resources you will need.

Here are some of the expenses that may be covered: Contact one of our advisors to find out more. The statistics speak for themselves: 50% of Canadians over the age of 65 will experience a period of disability during their retirement life. That's why it makes sense to include long-term care insurance in your retirement planning because, contrary to popular belief, the prohibitive costs of care required during a long period of disability are not fully covered by provincial health insurance plans.

In addition, retirees who still benefit from a group insurance plan will very rarely see their expenses fully reimbursed. This care can be provided at your home, or in an adult day care center or in a long-term care facility. The benefits vary according to the amounts insured at the time of subscription. A very important fact; benefits received are not taxable.

• An Elo rating of at least 2500 at any point in their career (although they need not maintain this level to obtain or keep the title).
• Two favorable results (called norms) from a total of at least 27 games in tournaments.