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	<title>Atlanta Planning Guys &#187; Insurance</title>
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	<link>http://atlantaplanningguys.com</link>
	<description>Atlanta Planning Guys is an informal blog  in which CERTIFIED FINANCIAL PLANNER™ professional, Cass Chappell , of Chappell Financial Group,  shares his ideas and opinions with the general public.</description>
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		<title>&#8220;How Much Long Term Care Insurance Do I Need?&#8221;</title>
		<link>http://atlantaplanningguys.com/?p=1460</link>
		<comments>http://atlantaplanningguys.com/?p=1460#comments</comments>
		<pubDate>Tue, 01 Mar 2011 14:24:45 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Daily Benefit]]></category>
		<category><![CDATA[nest egg]]></category>
		<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1460</guid>
		<description><![CDATA[ 
 
Summary
• The ultimate goal of purchasing a long term care insurance policy is to guard against spending more than your nest egg will allow, thus protecting your, and your family’s, assets.
• Buy an insurance amount equal to the increased spending that may result from the incapacitation NOT the full amount of the cost of the incapacitation.
• It is [...]]]></description>
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		<title>Healthcare Reform – Good news for those with pre-existing conditions in Georgia</title>
		<link>http://atlantaplanningguys.com/?p=1199</link>
		<comments>http://atlantaplanningguys.com/?p=1199#comments</comments>
		<pubDate>Mon, 18 Oct 2010 17:40:15 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Georgia health insurance]]></category>
		<category><![CDATA[Georgia Individual Health Insurance]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[PCIP]]></category>
		<category><![CDATA[Pre-existing Condition Insurance Plan]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1199</guid>
		<description><![CDATA[Affordable Care Act gives an option to those for whom healthcare was previously unavailable.
**This post does not address issues for those with Medicaid**
In March of 2010, Congress passed, and President Obama signed, the Affordable Care Act.  This law created a new program, the Pre-Existing Condition Insurance Plan (PCIP), which makes individual health insurance available if [...]]]></description>
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		<title>Lessons from the Sandwich Generation</title>
		<link>http://atlantaplanningguys.com/?p=1148</link>
		<comments>http://atlantaplanningguys.com/?p=1148#comments</comments>
		<pubDate>Mon, 04 Oct 2010 19:48:19 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[Assisted Living Facilities]]></category>
		<category><![CDATA[conflicting responsibilities]]></category>
		<category><![CDATA[elder care]]></category>
		<category><![CDATA[having children later]]></category>
		<category><![CDATA[planning ahead]]></category>
		<category><![CDATA[Sandwich Generation]]></category>
		<category><![CDATA[skilled nursing care]]></category>
		<category><![CDATA[unskilled nursing care]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1148</guid>
		<description><![CDATA[Last week we went over a few things to consider when unexpected money shows up on your doorstep. While that is a great financial “dilemma” to encounter, let’s focus for a moment on the complete inverse of this situation. Fortunately, modern medicine has made it so that American’s are living much longer than in past [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>5 Ways to Stay Informed, and Save, on Health Care Coverage</title>
		<link>http://atlantaplanningguys.com/?p=1095</link>
		<comments>http://atlantaplanningguys.com/?p=1095#comments</comments>
		<pubDate>Mon, 26 Jul 2010 16:14:24 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Brand Formulary]]></category>
		<category><![CDATA[co-pays]]></category>
		<category><![CDATA[coinsurance]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[Group health insurance]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[health care expenses]]></category>
		<category><![CDATA[health care reform effects]]></category>
		<category><![CDATA[Health Insurance Network]]></category>
		<category><![CDATA[insurance deductible]]></category>
		<category><![CDATA[Insurance gotchas]]></category>
		<category><![CDATA[Major Medical Claim]]></category>
		<category><![CDATA[Network benefits]]></category>
		<category><![CDATA[Obamacare]]></category>
		<category><![CDATA[prescription coverage]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=1095</guid>
		<description><![CDATA[Health Insurance has certainly been a hot button for many Americans in recent months.  Premiums continue to climb and so many questions remain unanswered regarding the recently passed health care reform—the effects of which may not be seen for years to come.
This week, we’d like to identify some of the most common mistakes, oversights and/or [...]]]></description>
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		<title>Cobra Update</title>
		<link>http://atlantaplanningguys.com/?p=611</link>
		<comments>http://atlantaplanningguys.com/?p=611#comments</comments>
		<pubDate>Mon, 11 Jan 2010 15:26:14 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[American Recovery and Reinvestment Act]]></category>
		<category><![CDATA[ARRA reimbursement]]></category>
		<category><![CDATA[cobra]]></category>
		<category><![CDATA[Cobra Continuation]]></category>
		<category><![CDATA[Cobra subsidy]]></category>
		<category><![CDATA[continuation]]></category>
		<category><![CDATA[new Cobra law]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=611</guid>
		<description><![CDATA[ 
The American Recovery and Reinvestment Act was amended on December 19th, 2009 (ARRA).  The ARRA has a provision that allows for the reimbursement of 65% of the premiums attributable the extension of health benefits for involuntarily terminated employees seeking to extend their coverage under Cobra.  Prior eligibility requirements allowed for this reimbursement if you were [...]]]></description>
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		<title>Life Insurance: &#8220;Buy term and invest the difference&#8221; is dead &#8211; Reconsidering permanent insurance</title>
		<link>http://atlantaplanningguys.com/?p=428</link>
		<comments>http://atlantaplanningguys.com/?p=428#comments</comments>
		<pubDate>Mon, 26 Oct 2009 16:27:20 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[buy term and invest the difference]]></category>
		<category><![CDATA[NLPG]]></category>
		<category><![CDATA[no lapse premium guarantee]]></category>
		<category><![CDATA[Term insurance]]></category>
		<category><![CDATA[ul]]></category>
		<category><![CDATA[universal life insurance]]></category>
		<category><![CDATA[variable life insurance]]></category>
		<category><![CDATA[vul]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=428</guid>
		<description><![CDATA[In the 80&#8217;s and into the early 90&#8217;s there was a popular theory about life insurance:  &#8220;Buy term and invest the difference&#8221;.
Essentially, you would buy a low cost 20 year term policy and invest the difference in premium (between the term policy and that of a whole-life policy) in an investment account each month.  The [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=428</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Ounces versus Pounds: A look at sound preventive measures &#8211; The Car</title>
		<link>http://atlantaplanningguys.com/?p=445</link>
		<comments>http://atlantaplanningguys.com/?p=445#comments</comments>
		<pubDate>Mon, 19 Oct 2009 18:33:18 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[auto accident]]></category>
		<category><![CDATA[car lights]]></category>
		<category><![CDATA[dim headlights]]></category>
		<category><![CDATA[flat tire]]></category>
		<category><![CDATA[home and auto insurance]]></category>
		<category><![CDATA[insurance deductible]]></category>
		<category><![CDATA[insurance limits]]></category>
		<category><![CDATA[insurance review]]></category>
		<category><![CDATA[ounce of prevention]]></category>
		<category><![CDATA[precautions]]></category>
		<category><![CDATA[preparation]]></category>
		<category><![CDATA[Prevention]]></category>
		<category><![CDATA[protection]]></category>
		<category><![CDATA[road trip]]></category>
		<category><![CDATA[roadside assistance]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=445</guid>
		<description><![CDATA[This is the second posting for my &#8220;Ounces versus Pounds&#8221; series.  If you missed the first one, here is a link: http://atlantaplanningguys.com/?p=436.  As is the case with much of the guidance that Cass and I dispense, you can&#8217;t hear enough of it.  Here are some things to consider routinely doing to make sure you and [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=445</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Ounces versus Pounds: A look at sound preventive measures &#8211; The Home</title>
		<link>http://atlantaplanningguys.com/?p=436</link>
		<comments>http://atlantaplanningguys.com/?p=436#comments</comments>
		<pubDate>Mon, 12 Oct 2009 18:24:46 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[fire prevention]]></category>
		<category><![CDATA[fire safe]]></category>
		<category><![CDATA[fire safety]]></category>
		<category><![CDATA[flood]]></category>
		<category><![CDATA[home and auto insurance]]></category>
		<category><![CDATA[insurance limits]]></category>
		<category><![CDATA[insurance review]]></category>
		<category><![CDATA[ounce of prevention]]></category>
		<category><![CDATA[precautions]]></category>
		<category><![CDATA[Prevention]]></category>
		<category><![CDATA[protection]]></category>
		<category><![CDATA[safe deposit box]]></category>
		<category><![CDATA[safety]]></category>
		<category><![CDATA[smoke detector]]></category>
		<category><![CDATA[theft]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=436</guid>
		<description><![CDATA[Whether it was your mother, father, teacher or friend&#8230;you have likely heard the phrase &#8220;an ounce of prevention is equal to a pound of cure&#8220;.  There are countless things that we can do to be prepared for whatever life should throw our way.  Here are just a few things that make a ton of sense [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=436</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Healthcare Reform – Quit yelling!  It’s time for an open, honest, constructive discussion</title>
		<link>http://atlantaplanningguys.com/?p=356</link>
		<comments>http://atlantaplanningguys.com/?p=356#comments</comments>
		<pubDate>Mon, 10 Aug 2009 22:07:07 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[cobra]]></category>
		<category><![CDATA[Georgia health insurance]]></category>
		<category><![CDATA[healthcare debate]]></category>
		<category><![CDATA[Healthcare reform]]></category>
		<category><![CDATA[rising healthcare costs]]></category>
		<category><![CDATA[town hall meetings]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=356</guid>
		<description><![CDATA[ Note from the author: Other than offering that something needs to be done and that we could go about it in a more constructive manner, I have intentionally attempted to leave my opinion out of this posting.
I have just returned from a golf trip with friends.  One of them asked me what I thought about [...]]]></description>
		<wfw:commentRss>http://atlantaplanningguys.com/?feed=rss2&amp;p=356</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Uninsured Motorist Coverage- A Closer Look</title>
		<link>http://atlantaplanningguys.com/?p=331</link>
		<comments>http://atlantaplanningguys.com/?p=331#comments</comments>
		<pubDate>Mon, 03 Aug 2009 22:21:05 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Auto Insurance Georgia]]></category>
		<category><![CDATA[collision coverage]]></category>
		<category><![CDATA[Georgia Uninsured Motorist Coverage]]></category>
		<category><![CDATA[Minimum coverage]]></category>
		<category><![CDATA[policy limits]]></category>
		<category><![CDATA[UIM]]></category>
		<category><![CDATA[Underinsured motorist]]></category>
		<category><![CDATA[Uninsured Motorist]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=331</guid>
		<description><![CDATA[

Uninsured Motorist (UIM) is part of every auto policy in Georgia (and most other states too).  It covers you and anyone in your car during an accident when you are hit by a hit and run driver, a driver that does not have automobile insurance, or a driver that does not have enough coverage.  At [...]]]></description>
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