Podcast appearances and mentions of ed stone

This week on Planetary Radio, we celebrate the enduring legacy of Ed Stone, the longtime project scientist for NASA’s Voyager mission and former director of JPL. Mat Kaplan, senior communications advisor at The Planetary Society, takes us to the unveiling of the Dr. Edward Stone Voyager Exploration Trail at JPL, where we hear from past and present JPL leaders, Voyager mission team members, and Ed Stone’s family. Plus, we kick off the episode with the much-anticipated launch of Blue Origin’s New Glenn rocket and wrap up with What’s Up, as Bruce Betts explores the rare planetary configuration that made Voyager’s Grand Tour possible. Discover more at: https://www.planetary.org/planetary-radio/2025-ed-stone-trailSee omnystudio.com/listener for privacy information.

Blue Dot revisits an episode in which we profiled the amazing career of one of America's greatest space scientists, Ed Stone. Stone passed away on June 9 at the age of 88.

On The Space Show for Wednesday, 26 June 2024: Space Show News: Chang'e 6 returns samples from the lunar far side. Remembering Ed Stone and Voyager - Part Two: The former director of NASA's Jet Propulsion Laboratory, professor of physics at the California Institute of Technology (Caltech), and for 50 years the Project Scientist for the Voyager spacecraft, passed away on 9 June 2024. (Insert courtesy Caltech) A great friend of The Space Show, Ed has been on the program no fewer than 30 times in the past 27 years. To listen to these past interviews and items featuring Ed Stone visit The Space Show website: http://space.southernfm.com.au/NamesList.html#s Sir Peter Beck and Rocket Lab: The announcement that Rocket Lab's founder and CEO, Peter Beck, has been awarded a knighthood in the King's Birthday Honours; and the Archimedes engine for the Neutron rocket has begun testing. (Inserts courtesy TV3, RocketLab) ACRUX 2: Marking the fifth anniversary of the launch of Melbourne University's ACRUX 1, James Condos and Marshall Poon (Co-leads, Attitude Determination and Control, Melbourne Space Program), describe attitude pointing using magnetic torquing and reaction wheels on the ACRUX 2 satellite being built at the University. (Recorded at Melbourne University) Starliner CST-100 Crew Flight Test: The crew of the ISS had spacesuit problems as the test pilot crew of the CST-100 Starliner trouble-shoot thruster and helium leak issues that plagued the spacecraft and delayed their return from space. (Inserts courtesy JSC)

There have been plenty of memorable election stunts lately – with Ed Davey stealing the show so far in this campaign. But how far back does the history of these sorts of actions go? And do they work? Andrew Harrison is joined by Seth Thévoz to look at the history of political stunts and their impact on the polls. We are sponsored by Indeed. Go to Indeed.com/bunker for £100 sponsored credit. www.patreon.com/bunkercast Written and presented by Andrew Harrison. Producer: Liam Tait. Audio editor: Tom Taylor. Managing editor: Jacob Jarvis. Music by Kenny Dickinson. Group Editor: Andrew Harrison. THE BUNKER is a Podmasters Production. Instagram | Twitter Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ed Stone, the former director of NASA's Jet Propulsion Laboratory and longtime project scientist of NASA's Voyager mission, was known for his steady leadership and enthusiasm for engaging the public in science.

On The Space Show for Wednesday, 19 June 2024: Remembering Ed Stone: The former director of NASA's Jet Propulsion Laboratory and for 50 years, the Project Scientist for the Voyager spacecraft, passed away on 9 June 2024 at the age of 88. Professor of Physics at Caltech (the California Institute of Technology) and a great friend of The Space Show, Ed has been on the program no fewer than 30 times in the past 27 years. To listen to some of these interviews and special programs featuring Ed Stone, visit The Space Show website and search for "Stone" on the list of guest names page. UPDATE: Australian company Gilmour Space Technologies, is still waiting patiently to receive a launch permit from the Australian Space Agency for it's Eris orbital rocket.

Our Sun is nearing the most active part of its solar cycle. This week, we explore recent solar activity and discoveries from NASA's Parker Solar Probe with Nour Rawafi, the mission's project scientist. But first, we honor the life and legacy of Ed Stone, the former director of NASA's Jet Propulsion Laboratory and the longtime project scientist of the Voyager mission. We close out our show with Bruce Betts, the chief scientist of The Planetary Society, in What's Up.  Discover more at: https://www.planetary.org/planetary-radio/2024-parker-solar-probeSee omnystudio.com/listener for privacy information.

La tertulia semanal en la que repasamos las últimas noticias de la actualidad científica. En el episodio de hoy: Cara A: -Universo entre Canciones (8:20) -Fallecimiento de Bill Anders y Ed Stone (12:30) -Prueba IFT4 de Starship (hablamos de IFT3 en el ep 456) (20:00) -Patrocinio de Babbel (código COFFEEBREAK en la oferta de 3 meses + 3 meses gratis) (44:30) -La noticia de los defectos topológicos como materia oscura (sobre defectos topológicos hablamos en ep250) (48:00) Este episodio continúa en la Cara B. Contertulios: Jose Edelstein, Francis Villatoro, Héctor Socas. Imagen de portada realizada con Midjourney. Todos los comentarios vertidos durante la tertulia representan únicamente la opinión de quien los hace... y a veces ni eso.

The next election is set to be the most expensive in history. But why are people giving so much to the Conservatives when the party is in chaos? Does the party with the deepest pockets win? And was the Ed Stone a cold hard waste of cash?Matt Chorley asks election masterminds Peter Mandelson, Polly Mackenzie and Daniel Finkelstein about the role of money in politics, and whether they think the chances of an early election are rising.Send questions, comments and voicenotes to: howtowin@thetimes.co.uk Hosted on Acast. See acast.com/privacy for more information.

This week on the #TowerCastPodcast we talk to the remarkable Writer, Actor, and Director, Ed Stone!Join us as we discuss his conversations with the legendary Mel Brooks about bringing to life “Paws of Fury” along with TowerCast Alumni, Rob Minkoff. Stone also talks to us about his career as an actor and a writer, his early days working with Spielberg, and advice for storytellers wanting to get into the industry. Join us for this amazing conversation! Tune in and help us spread the word by SUBSCRIBING, LIKING, COMMENTING, and SHARING! #TowerCastPodcast #TowerCastNetwork #Film #IndieFilm #Cinema --- Send in a voice message: https://podcasters.spotify.com/pod/show/towercast/message Support this podcast: https://podcasters.spotify.com/pod/show/towercast/support

Director Billy Miossi latest documentary, It's Quieter in the Twilight takes viewers on a thoroughly enjoyable look behind the scenes of a small, but resourceful group of engineers and scientist as they work tirelessly to maintain and expand the mission of America's two oldest satellites, Voyager I and Voyager II. As these two spacecraft approach a half century of flight, they are pushing the notion of true discovery, traveling among stars propelled only by dwindling sunlight. While the world has moved on to fancier ships and splashier front men–the celestial journey of the aging spacecraft transcends earthly boundaries– from rural South Korea, the Jim Crow South and the U.S./Mexico border to cement a joint commitment to the mission which has traveled the furthest in human history as the clock winds down. Director Billy Miossi stops to talk about the low-key way that the Voyager team goes to extraordinary lengths to keep a 1970's era spacecraft functioning, and the dedication of a crew that includes Sun Matsumoto, Enrique Medina, Fernando Peralta, Jefferson Hall, Todd Barber, Suzy Dodd, Chris Jones, Ed Stone, Andrea Angrum and Liu Yang. For more go to: itsquieterfilm.com

Blue Dot spotlights the amazing career of one of America's greatest space scientists, Ed Stone. Stone was the Project Scientist for the Voyager missions for 50 years, overseeing the historical tour of the outer solar system's gas giants and their retinue of icy moons and now exploring interstellar space.

She has been heard on Planetary Radio more than any other guest. Linda Spilker returns in her new role as the Voyager project scientist, following the legendary Ed Stone's half-century in that job. Linda provides an update on the interstellar journey. The Planetary Society's LightSail 2 may be only hours from the end of its very successful mission. LightSail Program Manager Bruce Betts makes a special up-front appearance to prepare us for this milestone. And incoming Planetary Radio host Sarah Al-Ahmed introduces The Planetary Academy, a terrific new opportunity for young explorers. Discover more at  https://www.planetary.org/planetary-radio/2022-linda-spilker-voyagerSee omnystudio.com/listener for privacy information.

Using Family Photos Of Fall Foliage To Track Climate Change Leaf-peeping, or tourism based on observing the colors of fall foliage, is a big industry in parts of the Northeast. So as leaves continue to change across the northern United States with the turning of the seasons, researchers are working to better understand how climate change may be affecting fall colors—changes that may affect the bottom line for those tourism-rich areas. But to tease out the factors involved with the timing of peak leaf color, the researchers need data on when leaves started to change color, when they arrive at their peak color, and when the leaf-peeping season ends. Unfortunately, satellite imagery showing leaf color is only available dating back to the year 2000—and so Stephanie Spera of the University of Richmond is trying to get data in some unconventional ways. Spera and colleagues are engaging in a massive citizen-science project, asking for tourist snapshots of Acadia National Park that show the colors of fall. While they'll accept your cellphone selfies, they're especially interested in older, pre-digital images—the sort of vacation pictures that might be in your family albums, or in shoe boxes in an elderly relative's attic. Adding those images to their data set, she says, will both help them to validate the satellite data and to extend the boundaries of their data set outwards. Heather Goldstone, host and executive producer of Living Lab Radio on WCAI, joins Ira to talk about the project and how listeners can participate.   The ‘Grandfather' Of The Voyager Mission Retires 45 years ago, the Voyagers 1 and 2 spacecraft were launched into the cosmos from Cape Canaveral in Florida. Since then, they've traveled over 14 billion miles from Earth, on a grand tour of our solar system, and beyond. The mission is still running, making Voyager 1 the farthest human-built artifact from Earth. Even before launch, scientists and engineers were hard at work planning and designing the mission. Last week, NASA announced the retirement of Dr. Ed Stone, who some called the ‘grandfather' of the mission. Dr. Stone shepherded the Voyager program as its project scientist for 50 full years. In this conversation from 2013, just after Voyager 1 had entered interstellar space, Ira spoke with Dr. Stone for a status update on the mission.   A Flaw in Human Judgment: How Making Decisions Isn't As Objective As You Think If two people are presented with the same set of facts, they will often draw different conclusions. For example, judges often dole out different sentences for the same case, which can lead to an unjust system. This unwanted variability in judgments in which we expect uniformity is what psychologist Daniel Kahneman calls “noise.” The importance of thoughtful decision-making has come in stark relief during the pandemic and in the events leading up to the January 6th insurrection. Ira talks with Nobel Prize-winning psychologist Daniel Kahneman about the role of ‘noise' in human judgment, his long career studying cognitive biases, and how systematic decision-making can result in fewer errors. Kahneman is the co-author of “Noise: A Flaw in Human Judgment,” along with Oliver Sibony and Cass R. Sunstein, now available in paperback.   Frenemies, Lovers, And The Fate Of The Cosmos: Our Galaxy Tells All Our galaxy, the Milky Way, is 13.6 billion years old, all-knowing, and a little sassy. It has a rich social life of friends, frenemies, and even love interests—all other galaxies in the local group, including the stunning Andromeda. And the Milky Way is a little disappointed that we've stopped telling as many stories about it. Or at least, that's how folklorist and astronomer Dr. Moiya McTier imagines the galaxy's personality when writing her new book, The Milky Way: An Autobiography of Our Galaxy. The book stretches from the beginning of the universe to the birth of our planet, and then on to the eventual theoretical end of the cosmos. Along the way, we learn both the science of how stars form and galaxies collide, and the many stories and myths humans have told about these bodies throughout our relatively brief lives. McTier joins Ira to tell all (on behalf of the Milky Way), and explain the importance of story in scientific knowledge and discovery.   Transcripts for each segment will be available the week after the show airs on sciencefriday.com.  

On The Space Show for Wednesday, 2 November 2022: Space Show News: * NOAA's JPSS-2 is set to launch atop an Atlas V rocket and will join the fleet of Joint Polar Satellite System (JPSS) satellites. * Rocket Lab prepares to launch its “Catch Me If You Can” Electron booster recovery mission carrying the MATS (Mesospheric Airglow/Aerosol Tomography and Spectroscopy) satellite * Update on the CAPSTONE mission * Final module docks at China's Tiangong space station InSight and MRO combine to discover newly formed crater on Mars: * NASA's InSight lander detects meteoroid impact on Mars while cameras aboard the Mars Reconnaissance Orbiter (MRO) spotted the new crater from space Diary time: * Details of the total lunar eclipse on 8 November 2022 Voyager 1 & 2 and Ed Stone retirement: * Ed Stone, Voyager Project Scientist, retires after 50 years in the job and a 60 year career with NASA

Today, we're going to talk about low-volume electronic assembly. We all know who the “big players” are when it comes to solder paste printers, pick and place machines, reflow ovens and other assembly equipment. But what choices does one have if they need to produce low-volumes of electronic assemblies such as prototypes and other low volume applications? Let's face it, most assemblers can't justify a multi-million-dollar production line for low volume production. One solution may be to outsource the production to a contract manufacturer but there are specific circumstances which may prevent that. In today's episode, we'll review some of the equipment options for low-volume SMT production and we'll see if the barrier to entry for in-house assembly is lower than one might think. My guest today is Ed Stone. Ed is a sales manager at Manncorp, a provider of SMT assembly equipment for the EMS industry. Manncorp was founded 55 years ago back in 1967. Just imagine how much our industry has changed over the past 55 years! I'd love to say Ed has been there from the beginning, but I think the company is a little bit older than Ed. Ed Stone's Contact Info: estone@manncorp.com www.manncorp.com

Today, Mike Konrad talks about low-volume electronic assembly. We all know who the “big players” are when it comes to solder paste printers, pick-and-place machines, reflow ovens and other assembly equipment. But what choices does one have if they need to produce low volumes of electronic assemblies such as prototypes and other low-volume applications?   Let's face it, most assemblers can't justify a multi-million-dollar production line for low-volume production. One solution may be to outsource the production to a contract manufacturer but there are specific circumstances which may prevent that. In today's episode, we'll review some of the equipment options for low-volume SMT production and we'll see if the barrier to entry for in-house assembly is lower than one might think. Mike's guest today is Ed Stone. Ed is a sales manager at Manncorp, a provider of SMT assembly equipment for the EMS industry. Manncorp was founded 55 years ago back in 1967. Just imagine how much our industry has changed over the past 55 years!

Show TranscriptWelcome to it's just wallpaper, a podcast dedicated to providing solutions for seniors and families dealing with life changing health and living conditions. Your host Tom Deutsch is a graduate of Columbia University School of Public Health and administrative medicine. Tom brings 43 years of executive experience working for the care and well being of senior citizens with credentials and licenses as a nursing home administrator, life insurance agent with a long term care endorsement, professional guardian and court appointed guardian ad litem in over 1500 cases. Tom brings a lifetime of knowledge to help you and your family make the best decisions you can. And now from our studio in Coeur d'Alene, Idaho, here is Tom Deutsch.Welcome to it's just wallpaper. My name is Ed Bejarana. And I am the producer of the program. In this episode, Tom and I will revisit the information we've covered so far, and get a personal take from Tom, on how these episodes should help seniors make life focused decisions. Good afternoon, Tom. Thank you for joining me today on this special episode.Well, it's uh, as always, it's great to be with you. As you know, I retired a couple of years ago, and have been trying to find a forum to share information and my life experiences to help our seniors and their families. It is gratifying to receive the support that has been forthcoming from our guests that had been willing to share their expertise and enable me to continue this workwell in the program. So far, at least from my vantage point, has been just going great. Tom, for the listeners who may not have been listening since we went live on October 1. Can you share a little bit about the name? It's just wallpaper?Absolutely. As our listeners know, and for new listeners for many years, I work behind the desk of multiple health care facilities. I personally witnessed potential patients and their families make placement decisions based upon decorative items such as wallpaper, rather than what really mattered. Can the appropriate care be delivered? Perhaps another way of saying it would be the decision was made based upon who had the best mousetrap and example. At one point in my career, my wife and I owned and operated four adult family homes. A son and daughter toured our home as they struggled with the placement decision for their mother. In the end, they selected another facility. As I knew the family, I asked them, Why did they choose another home instead of the one that we ran? They told me that they like to shower better. Our main shower was a prefab unit and my competitors was tiled.Tom, we went live with two episodes with Kerry Espinosa, the first entitled Medicare Part A, B, C and D. And the second one titled Medicaid Advantage plans and Medicare supplement plans explained with Medicare open enrollment season that started on October 15. I'd say those episodes were timed perfect. What were the big takeaways for the listeners? And what feedback have you received from those who have listened?And I think the major the major takeaway is that the consumer has to make very important decisions that will affect their health care delivery. As a Medicare consumer today during open enrollment, my mailbox is flooded with advertisements, television is filled with commercials and my phone is ringing. You need to ask questions and not be influenced by a sales pitch that perhaps you don't really understand. I had a friend call me and told me that he was going to switch to an advantage plan because they had dental. He told me his wife had had a root canal the previous year, and they had to pay for it out of pocket. I told them the first call the plan and asked whether root canals were a covered expense. The plan he was looking at may only have covered perhaps annual exams and routine cleaning.Medicare is one of those very confusing parts of life. I know every Medicare insurance agent in America hosts seminars and Medicare. But I hear from so many agents that they struggle to get people to attend. Why do you think seniors are more open to listening to a podcast sharing information about Medicare?Well, I think today the odd So, first answer is the COVID environment that we live in. The seminar type programming that we had for so many years is just not working. I believe the podcast presentation is by far safer, and then presented within a concentrated timeframe. The listener can take the information, play it again if necessary, and begin to formulate questions to make sure they are purchasing the product that works for them.I'm going to jump around a little now. Episode Four was titled Are you ready? The importance of legal documents and your guest was attorney Rebecca Iman. She was also your guest on episode nine. When his elder Guardian Guardian ship necessary in Episode 10, you can't give it away senior financial considerations when planning for long term care. All three episodes were fascinating to me, and I'm I'm not up the retirement age. But what are the big takeaways you feel our listeners gained from these episodes?Well, you know, the biggest takeaway is to get your planning in order. Again, look, and we both know I'm not an attorney and I can't give legal advice. But I have seen time after time, the emotional and financial toll taken by not having documents properly prepared. This should prevent questions as to who you want in charge of your decision making. This should prevent questions as to who you want charge for decision making. Should that be necessary? what your thoughts are on end of life decision making? How your real estate should be handled? And who should be in charge.You have lots of experience helping seniors with long term care in your 40 years. What do you feel is the biggest failing of our health care system for seniors?I would venture to say that there is too much misunderstanding as to what Medicare will pay for a long with a real lack of understanding the real cost of long term care.Now episodes five and six were with nurse practitioner Mary Buckland and YouTube discussed how to recognize and monitor ongoing clinical warning indicators for seniors. What do you feel was the important takeaway for our listeners,the major takeaway is stay involved with your parents care, and to be proactive and be a proactive good observer. Go to the physician appointments, monitor their medication, look for signs of poor hygiene and nutrition, do a home safety evaluation. Should there be a need for placement continue to stay involved and be a good historian, especially in today's dynamic healthcare delivery system.I shared the story of my mom dying from complications brought on by Alzheimer's. Having watched my mom make the transition from a vibrant, well educated, strong woman to the frail woman with no memory of her past or the people around her. I know the warning signs to watch for a critical at least in my book. Right after nurse Mary Bucklin you had Dr. Steve mark, come on and talk about dementia testing and care. What do you feel was the big takeaway from those episodes,as emphasized with nurse Mary Bucklin and Dr. Steven? stay involved, educate yourself. There are things that can be done to make life simpler and less complex. With the dementia patient. It is critical that family be there, understand the illness, seek professional guidance and make the very tough decisions. I know that my own parents had a better quality of life with my brother and I involved and providing oversightso much of life for children of elder parents who struggle with health issues. It's juggling two priorities. On one hand, we have our work and family at home and then we have a parent or loved one who might need full time long term care. Your latest guest was Ed Stone who talked about long term care insurance. What was the big takeaway from that episode you feel our listeners should notebottom line. If you have insurance, especially Long Term Care Insurance, you have choices. Long Term Care is only Going to get more expensive. And we see evidence of that every day, the time to buy it is not when you recognize the impact of clinical science of aging, when you can't get coverage, if you can afford it, talk to an agent about options. I am 72. And my wife and I bought that insurance 20 years ago.Tom, you truly have a heart for health care? Do you miss working full time?Let's turn the question around. What I enjoy now is to be able to continue to help. I was recently at the store and was approached by a friend whose father was in the hospital. As discharge was imminent, the family was at odds with what to do. I was gratified that I was brought into the conversation. And I could make suggestions.So what do you hope to accomplish with this podcast,it is my dream, to continue to bring useful information forward to enable seniors and their families to make appropriate decisions the first time.So looking ahead, we are going to be talking about home health care, hospice, patient advocacy, and dozens of other topics. Thinking about those folks who are either struggling with health issues themselves, have children who have parents starting to show signs of health challenges on the horizon. What are your suggestions on how they should use this podcast?And I think that these folks that are listening, should use these podcasts as a stepping stone to ask more questions, and perhaps further use the links that we are providing to ask more information.And I and I didn't give Tom any advanced warning on this question. And he's looking on the paper now because we're going off a script. But Tom, let me ask you kind of a personal question. When you approached me to do this podcast originally, you you want it to disseminate knowledge. And I kind of sensed that it was almost as much for your own. I don't know if health or sanity is the right way to put it. But it felt to me like this podcast production was just about as therapeutic for you, as it is the the seniors that you're looking to help, can you kind of shed some light in my on the mark here,I think you're totally on the mark. I you know, I retired about two and a half years ago, and, you know, frankly, became somewhat stagnant and, and bringing the various guests to the program, I'm learning again, and I'm learning that the marketplace keeps changing, there are many new concepts that are being considered, we're going to be talking to a manufacturer of a medication distribution machine that helps seniors to make sure they take their meds on time. We have excellent speakers, I've had the opportunity to interchange with becoming aware of new vocations within the health care delivery system. So I mean, if anything, this is just give me more purpose, and more opportunity to help people,you know, and I always say, when folks ask, yeah, I have a bookshelf full of books, I do a lot of electronic books, I read constantly, I'm learning constantly. And I, I always say to my friends that when I when I end the thirst for knowledge, I know that's when it's my time to move on. Being a podcast enthusiast, I look at the opportunity to gain knowledge from people and you seem to have these connections to some of the greatest knowledge in the industry. How are you able to use those relationships you've built over a 40 year career and and chart out a education program for your listeners.I think it just began with the the first podcast, and then I get energized. And I think of a segue on to the next podcast. And then from there, I think about the next podcast and and some of the folks that have come to help. And the guests that we've had have given me ideas for other podcasts. And so at this point, we have podcasts planned well into 2021 at this point, and we're just sitting here in the middle of October. AndI also look at right now during covid pandemic, people, especially, you know our age and older they're really feeling isolated. In assisted living facilities, they're being separated from their family members with limited visitations, limited outings, limited exposure, I felt kind of the underpinning in these first 12 episodes that we've done. That it, it's more than just a dissemination of knowledge. You have a tone of friendship of kinship, your guests. They have a tone of sincerity of caring. Did you plan on that? Or was this purely accidental? Do you see the the potential for this podcast, transcending the education and really becoming an opportunity for seniors to expand their connection into the world? Absolutely.And I have just been struck by the support I've gotten from the folks that have been helping us.Well, thank you, Tom. It really has been a joy. You know, it's a lot of work to produce a program like this. But they say that if you do a job you love you never work a day of your life. And I truly do feel that way. Do you have any final words that you'd like to share with the listeners,ask questions, always ask questions. If you ask the question. You'll know that you're doing the right thing.Well, thank you, Tom. And thank you to you the listener, thank you for tuning in. Thank you for taking the time to share these episodes with your friends with your family. We can only reach more people if you take the time to make that connection. Thank you and have a good day.Thank you for tuning into. It's just wallpaper. Please share this episode with your friends and help us reach more seniors needing help with health critical decisions. Visit it just wallpaper.com to catch up on past episodes or find us on Facebook at it's just wallpaper to ask a question.

In the second of two episodes, Edward Stone gives further definition to the long-term care products and discusses future growth and costs.Cost of Care Calculators:Mutual of OmahaNationwide InsuranceShow TranscriptWelcome to it's just wallpaper, a podcast dedicated to providing solutions for seniors and families dealing with life changing health and living conditions. Your host Tom Deutsch is a graduate of Columbia University School of Public Health and administrative medicine. Tom brings 43 years of executive experience working for the care and well being of senior citizens with credentials and licenses as a nursing home administrator, life insurance agent with a long term care endorsement, professional guardian and court appointed guardian ad litem in over 1500 cases. Tom brings a lifetime of knowledge to help you and your family make the best decisions you can. And now from our studio in Coeur d'Alene, Idaho. Here's Tom.Welcome to it's just wallpaper where my guests and I aim to provide our listeners with thoughtful information and resources to enable them to make the best decisions the first time. Today we are going to discuss Long Term Care Insurance. Joining me from his home in Vermont is Ed stone. This just don't work for Crump Life Insurance Services, where he's responsible for managing existing producer relationships, and building new relationships through referral and marketing initiatives prior to joining Crump insurance and spent 16 years managing the sale of long term care products, as regional sales director and regional sales vice president with two major insurance carriers. Prior to that he spent seven years as National Sales Manager for a national brokerage agency. Before I welcome Mr. Stone, I would like to give you a recap of where we were, when we last spoke with him, we had got a really good overview, which I would encourage you to visit of the insurance industry, and long term care insurance industry. And we also talked in depth about the cost of care. Ed gave us two or two to three different calculators that are available to us where you can get a good idea of cost of care in the community or your community. And we'll provide this on our website as part of our program. So having said that, welcome, again, Ed Stone.Thank you, Tom, pleasure to be with you.What I'd like to do is talk about the most common product that you see sold in the long term care market today,for sure, there's really three different types of products that you find out in the marketplace. There's what we call traditional long term care. There's what we call linked benefits, or hybrid asset base. And you may hear one of those three terms. And then there are products that are annuity based long term care. The traditional Long Term Care is the product that started the whole industry that we were talking about in our last session. It's a product that is a pure health product, it has no other features to it, you use it strictly for you know, for the long term care services. It doesn't develop any equity in it or anything like that. There are ways to join policies together between couples etc. and paths, you know, unused benefits to each other when you when you pass away or something like that. The industry has has morphed into a second area called hybrid products. And these basically were designed based on a life insurance policy with long term care features. And these particular type of products. The major reason for it is the long term care, ability to use money to be used for long term care. The secondary reason is, with the ones I talked about a moment ago, a lot of people said, well, gee, what if I have this policy for 30 years and step off the curb? get hit by a bus, I wasted all my money. There's nothing you know, nothing back. So the insurance industry said okay, we're pretty certain from our research that if you live long enough, you'll die haha. Well, let's build it on a life insurance platform charged more money because theoretically, there's a death benefit if you never use it, or if you only use some of it. And also, if you wanted to cash it out, there's some money you can get back. So those are the two main ones. But what we're seeing now is really very interesting. Because there's always been a product in the insurance industry called an annuity. Some of the listeners may have an annuity. an annuity is basically a sum of money that sits in an account the insurance company grows tax deferred, which is great and grows and grows and then you can cash it out. You got to pay taxes on anything not given tax and legal bites here. Of course, you can you pay taxes on a new game, or you can even turn it into a lifetime income. Well, believe it or not the federal government actually wants you to do something about your long term care potential long term care needs, they are our friends. Because they pass something back in 2010, called the pension Protection Act pretty easy to remember pension Protection Act. And in that act, they said, money that goes into a long term care annuity, if it's used for long term care services, the money you put in, and any money that it grew to comes out income tax free, as long as you're using it for long term care. So this has opened up a whole new part of the market. Because the other two products you have to have never be able to pass underwriting gotta be healthy enough to pass underwriting. annuity products are pretty much in your sign the application, some of them may ask a few health questions or even a nursing home etc. So what we're finding is folks that can't get the traditional policies or the hybrid are now taking some what I call lazy money money that's sitting in a CD or under the mattress that they're going to use for long term care down the line. And they're leveraging it because they get more money for the long term care services than they would if they just paid dollar took dollar for dollar out of whatever it was in. In terms of what's being sold the most right now or purchase the most, it is a hybrid product. And that has to do with a number of factors, including the the mistakes we talked about last time on the old product that's kind of made people a little skittish about products where you know, that were underpriced and could have raised increases. Plus, a lot of people are saying, look, you know, I may never need this. So let me let me at least hedge my bet a little bit with some life insurance. If I don't ever use my long term care, annuities, though, I think they're going to be something that you're gonna see a lot more people looking at, because the money sitting there, and they'd like to leverage it and do do better on their taxes. long answer to a short question, but that's kind of where it is.Now, is there inflation protection built into these policies?They're not built in, but you purchased them as an add on rider. And we tell people, you know, if you're under 70, you probably want to look at an inflation rider. Because the average claim age today and remember what the definition of average is, of course, half half and a half. The average claim age today is about 83. So if I was 60, I got probably 2025 years before I might incur a claim. Now the thousand dollars I have today, I'll get a check for 1025 years, but what's it going to buy? So we really encourage younger people to consider inflating the policy just keeps inflating, inflating, inflating till you go on claim and then it actually continues to inflate after you are on claim. But that's moreYeah. But at this point, that's an add on to the policy.It is an extra cost. I think it's an option on the car, you got white walls you got paid for.Right. And that's something our listeners should be mindful of. What about triggers? Suppose you know, you just can't walk into a care facility doesn't the carrier has to agree that that's what you need?Yeah, that's that's a very interesting part. Because a lot of what I hear clients say is I don't want to do by this because I read about this little lady who had a policy nursing home policy for 30 years, she went to file a claim and the big bad insurance company, you know, beat her out of her money. And that's absolutely true. Until 1996 in 1996, again, our friends in Washington this time I'm calling our friends, our friends in Washington standardised how claims are triggered. And it has to be what's called a tax qualified has nothing to do with tax deductions, but a tax qualified Long Term Care Plan. As the standardized triggers on all the carriers, it works like this. Tom, your doctor says to Xyz insurance company due to illness accident are just getting older, you can no longer do to have your six activities of daily living. These are what I call the first 20 minutes of your day, eating dressing toileting, transferring continence and feeding yourself. You do these things before you know it, you're off on your way out the door. Your doctor says the insurance company he can no longer do two of these six, and we expect it to last at least 90 days. So this isn't Tom stepped off the curb, broke his ankle, got a calf was on crutches for three weeks and this gets better. This is chronic. So if that occurs to have 690 days, you start to get your money so to speak. Or if you're diagnosed with a diagnosed cognitive disorder, Alzheimer's, dementia, you start to get your money. So it's there's there's no physical they'll put you on treadmill make you lift a bunch of weights, it's strictly your doctor telling the insurance carrier in my medical opinion, Tom can no longer do two of his six activities due to this. That's how it works pretty simple nowso Add, when people are considering their part this these policies, can they also negotiate waiting periods, like 30 days to get benefits? 60 or 90 days? So how does that work?Yeah, absolutely a real good analogy is your car insurance, you can have a $200 deductible 500,000. So you have a wreck, you pay the first 200 500 1000, then your car insurance company kicks in starts paying right? You can do the same thing with your long term care policy, you want it to kick in immediately. As soon as those triggers are verified, you can have a zero day, you can have a 30 day, 60, day 90 day. And the company says if you got 90 days, as soon as you start on claim, and you start to get you know, you have 90 days of that you pay yourself then we'll start paying out of your policy. So yeah, it's obviously the shorter the waiting period, the more expensive because you're putting the company on the hook even sooner.Do you have to constantly re qualify for benefits?that varies by carrier? But the short answer is yes, all of them ask you to what's called recertified that you still are unable to do to have six ADLs are cognitive and obviously cognitive, nobody seems to be getting better from it. So most of the carriers want to see every six months or a year a statement from your care provider that, you know, Tom still is unable to do to have his six or he's still cognitively impaired.The next question that comes to mind is, what is all of this cost? Can you give us some ideas about what long term care insurance costs today? recognizing that there's so many different ways to go on policy?Mm hmm. Yeah, there is definitely a custom design suit. That's what I tell clients that it's, you know, it's not one size fits all what Tom need that may need something different, when Tom wants has benefited at once it's sooner, etc. and that all affects the cost. The other thing I like to tell people, I'm going to ask the question, but the other thing I like to tell people is, it can be whatever you want it to be. In other words, this isn't a a benefit purchase, it's a money purchase, whatever you can put into your budgets today, and your projected retirement income to paper, to have an insurance policy, the carrier can cut can come back into a benefit plan based upon that budget, you can pay it off in a single time, you can do it over 10 years, 20 years, you can pay on for lifetime as a number of different ways. And that obviously all effects, you know the cost of the the monthly or annual premium. But to give you a kind of a ballpark a $200 a day three year benefit period, another policy that would pay for, you know, up to three years, for a couple 860 with some inflation, you know, to make sure it grows, you're probably looking for traditional long term care that first one, somewhere around five to $6,000 a year for the couple. For the ones that have the life insurance where you could live die or quick get money or give money if you pass away or cash out, you probably add about 40% of that premium for a couple. But again, as I'm giving you a really, really wide ballpark figures here, because it has nothing to do with areas of the country what, but the policy costs in California, costs in Connecticut type of thing. There are a few states where there's some small variations in premiums, but it's pretty much standard premiums across the country. It just comes down to how much you want when you want to start and how long you want to last. And you want to put in a track player on the car and mag wheels and everything else and I'm going to cost you.So let's talk about premiums and whether or not they stay level. And that's sort of a loaded question, because we talked off Mike earlier. And we were talking about the fact that my wife and I purchased Long Term Care Insurance some 20 years ago. And over time, we've seen a bump in rates. So what can you tell? And I would imagine that and we've seen a higher bump in rates more recently than we've had in the past. So throwing that on the table. What can you tell our listeners?Well, there's a number of things you can do. There are products out there that the premium that you're quoted that is issued at the time, usually the policy is guaranteed never to go up. It's locked in what you see is what you get it can they can't come back and say gee, we made a mistake, we need more money from you. There are ones that say we do reserve the right every year to go to the insurance department in the state and show them justification actuarial justification that we need to raise premiums, and it's up to the insurance commissioners in the state. And I can tell you that it varies by state. Some states are what I would call incredibly consumer protective. Some states are more lenient towards the insurance company. Having said that, it's getting tougher and tougher. Because of some other regulations that were put in place for insurance companies to to lowball their premiums and then expect to be able to walk in the door to your insurance department and get a rate increase. So that's what's led to a lot of the higher prices on the products from, say, 10 years ago. But it can be done. They can't pick on you, because you had a claim, or you got older, they can't pick on, on, you know, several people, but not everybody else. If they get a rate increase improved in the state, it's for everybody in the state that bought that same policy that you have. So they can't you know, it can't they can't come in and pick on men or women or, you know, young or old. Everybody in the state gets the rate increase. Yeah, that's how it's working. And yes, it's been a lot more lately, a lot lately.Yes, I will second that. So what are the steps necessary to obtain coverage,you fill out an application with your agents, they they will do a, they'll do several things that are kind of behind the curtain that are electronically done. One is what's called an MIB medical information bureau search. They're just looking to see if you have any applications out there with other companies, or if you did, and where they declined, and why would they decline. They also do and this is really important for folks to know, they do what's called a prescription drug database search. Every time you get a prescription filled it at CVS, Walgreens, or Kmart, or whatever, or even through your mail order. It's in a database. So the insurance companies are looking at your application, they're comparing it to what they see on your database. And if you didn't tell them something that they see in the database, they're going to call big timeout and do a whole lot of investigation.Did they do cognitive testing,that was the next thing. They they're all doing what are called telephone interviews. Now, depending upon your age, first of all, they last about an hour minimum. based on your age, they may just go through the application, verify the information, you know, ask you what day, what day it is, what month it is, etc. But at the older ages, and I'm going to say older ages being 59. and above, they're going to do a pretty significant cognitive screen. Because the largest percentage of claims today are not for a broken hip. They're for a broken brain. cognitive disorders are the ones that are scaring the bejesus out of the underwriters, because you can fix a broken hip as brains broken, we haven't figured out how to fix that yet. So you can be perfectly healthy, but need lots of care. And obviously going on plane, these cognitive screens can be pretty in depth, they can make you think that you're the dumbest thing that ever stood up on two feet, the types of questions even if you got a PhD in microbiology or something. But the it these are tested theory, not theories, but tested tests that they know, give them a baseline for recall, which is really the big problem and the recall starts to go. That's when things go south, so to speak. They don't put you through physical Jonathan, run on treadmill, you don't have to give blood or urine that sort of thing. It's pretty much the AP cognitive test, the prescription drug database search, that sort of thing.So next question. You know, what happens if your insurance company goes under? Are they insured? Or is there protection?Since you've asked the question I can answer as a licensed agent, I can't lead with this. I can't use this as a sales inducement that's illegal in all 50 states. But there is something it's not the FDIC, there's something called the life and health guarantee fund. Every state has a life and health guarantee fund for life insurance and health insurance products. It's funded by the insurance company. And how they fund it is it's based upon a percentage of the premiums that they collect in that particular state their tax for lack of a better word. It is an attack, but they're they're done for X amount of money every year goes into this fund. So it's all the company life and health. So let's say Acme insurance company, unfortunately, went bankrupt. The first thing that happens is the State Department of Insurance takes them over throws out the guys that ran it in the ground for whatever reason, puts other people in to try and rehabilitate it. If it's clear that they can't rehabilitate it, that it's going to go under, they then take all the assets of the insurance company and put them out in the market. And carriers come over and say, Well, let me look at this block of long term care insurance. Let me see how it was underwritten. Let me see the claims. Let me see the premiums. If they want to buy it, they'll make an offer. It may be 50 cents on the dollar of what it's actually worth or maybe whatever. If that doesn't work, if it's so bad that nobody wants it. It then becomes part of the life and health guarantee association that actually becomes the people paying the claims. But there's a maximum amount like FDIC is $100,000 per account or something. Every state's different but most of them are around $300,000. So if your policy had $300,000 or less Benefits. And that company went under, you'd be making your claim and the life and health care fund would pay it. That was 500,000. They paid 300,000 and you lost the 200,000. So it's again, it's not a government agency. It could go away. But it's been there for quite a long, long time.Mr. Stone, we run out of time, I want to thank you for this great podcast, you've given the listeners as well as myself, some great tools, some great, great education. And I thank you again for being with us.I appreciate the opportunity to talk about what I think is a very important subject for for everybody here in our country. Appreciate the type thing.Thank you for tuning into. It's just wallpaper. Please share this episode with your friends and help us reach more seniors needing help with health critical decisions. Visit it just wallpaper.com to catch up on past episodes or find us on Facebook at it's just wallpaper to ask a question.

In the first of two episodes, long-term care specialist Edward Stone gives us a history of long-term care insurance, relative costs of the product, and current costs of care.Cost of Care Calculators:Mutual of OmahaNationwide InsuranceShow TranscriptMiranda Hamilton  0:00  Welcome to it's just wallpaper, a podcast dedicated to providing solutions for seniors and families dealing with life changing health and living conditions. Your host Tom Deutsch is a graduate of Columbia University School of Public Health and administrative medicine. Tom brings 43 years of executive experience working for the care and well being of senior citizens with credentials and licenses as a nursing home administrator, life insurance agent with a long term care endorsement, professional guardian and court appointed guardian ad litem in over 1500 cases. Tom brings a lifetime of knowledge to help you and your family make the best decisions you can. And now from our studio in Coeur d'Alene, Idaho. Here's Tom.Tom Deutsch  0:42  Welcome to which just wallpaper where my guests and I aim to provide our listeners with thoughtful information and resources to enable them to make the best decisions the first time. Today we are going to discuss Long Term Care Insurance. Joining me from his home in Vermont is Ed stone. This just don't works for Crump Life Insurance Services, which is where he is responsible for managing existing producer relationships, and building new relationships through referral and marketing initiatives. Prior to joining Crump insurance, Ed spent 16 years managing the sale of long term care products as regional sales director and regional sales Vice President for two major insurance carriers. Prior to that he spent seven years as a national sales manager for a national brokerage general agency. Well welcome Ed stone.Ed Stone  1:45  Hey, Tom, thank you. Good to be with you. Thank you,Tom Deutsch  1:48  well, before getting into the insurance product themselves, I believe would help to get an overall history of the long term care industry. When Long Term Care Insurance took off, how many companies were in the market compared to today?Ed Stone  2:04  Well, at the height of the long term care insurance industry, we probably had about, oh, maybe 100 or so carriers out there, marketing, long term care insurance, varying degrees of success or varying degrees of size of their companies, about 100 or so at the height of it maybe 1015 years ago,Tom Deutsch  2:25  can you give us a little bit of history about how this whole long term care insurance industry started?Ed Stone  2:31  Sure, sure. Back in the probably the early 70s, you had products called nursing home policies. Some of them were called home health care policies. And these were put out as just a flat, per diem reimbursement type of product, need to go to a nursing home, will give you up to $50 a day, as long as you're in the nursing home, as long as you know, whatever amount of policy benefits you had purchased. Same thing on homecare, if you need people to come into your home, we'll reimburse you for $50 a day. Those types of policies were pretty broad in terms of how you can get them and the definitions within them. But I'm going to say in the early 70s, they started to get a little more sophisticated as different forms of, of care. In the long term care industry service industry started to evolve, where you had assisted living facilities, starting up home care, adult daycare, things like that. So the insurance companies looking at the demographics of the baby boom generation. And you know, at that point in time, the greatest generation getting into their 70s, they started marketing products that were what we call comprehensive that would cover you from the home to the nursing nursing facility. So it became much more of a structured industry. And they started to put in things such as how you would trigger the benefits. They were very specific and how you would trigger benefits when you were trying to collect on your policy where before was just kind of open ended here. You show us that you're going to nursing home, and we're going to send you the 50 bucks a day, that type of thing. So it's just like a lot of the insurance industry became more sophisticated as the need evolved for services. That'd be the easiest way to explain it. Tom,Tom Deutsch  4:26  in an earlier question. You said when things started out, there were about 100 companies in the business. Where are we today? And why?Ed Stone  4:36  Well, there's been a contraction in over the last 10 years in the industry. We're probably down to a dozen 15 carriers who are significantly in the business of marketing long term care products to the American public. What went wrong was just kind of a perfect storm of mistakes that were made whenever a new insurance Our product is developed. The actuary, those are the guys with the visors that do all the pricing of products have to look at the different risk factors out there, and price their products based upon potential usage potential number of claims per thousand people how long those claims are going to be there, the long term care product was a brand new product that really hadn't been invented, for lack of a better word. So the actuaries would look at what they thought would be similar products, and start to use some of that data to do their formulas to come up with the pricing and the benefit structures. The underwriters, the people that would look at the look at the applications from the clients look at their medical histories, they were, they weren't really underwriting it in ways that we now know, in retrospect, they should have been. So they were making some assumptions also, from an underwriting standpoint, as to medical care, and how that would work. So there was a number of things that occurred over the last probably 1520 years, that started to manifest itself in claims that were much higher than the actuaries had predicted. That was one factor. Part of that was 30 years ago, 40 years ago, if you were diagnosed with cancer, the doctor would pretty much say, you know, Tom gets your affairs in order, you don't have long to go, right. But today is a cancer as an example, cancer diagnosis isn't an immediate death sentence. people survive cancer, but they can be chronically impaired. So several factors led him to the carriers, making horrendous pricing errors. And also starting to understand from the new data that maybe this wasn't the type of market they wanted to be in for the risks that was involved. Things such as what we call the insurance industry persistency.Ed Stone  7:06  Every time you price a product, no matter what it is, you assume, at the average time of a claim would occur, you're assuming that x percentage of people that bought the policies back then would not have the policies in force at the time in normal, normal time of claim or the curve. So not knowing that they looked at a lot of other products, similar type health products, and they assume the latch ratio. Well, what they didn't know till for about 25 years was when people put a long term care policy in force, they had a tendency not to let it go. And today, the average what we call lapse ratio for long term care policies is around one to 2%. In other words, about hundred people bought a policy, we're now projecting that 9899 of them will have the policy in force at the time that most normal claims occur. So this scared the jeevers, as I like to say, out of the actuaries, and then obviously then scared the bejeebers out of the financial people that run the insurance companies. And they said, you know, this is not what we bargained for back 30 4050 years ago, we're just going to stop selling this product, we'll, we'll take care of the claims on the ones that we sold. But a lot of the carrier's just said, This is not for us, it's not our main type of business. So we lost a lot of carriers, a lot of branding people that got into it got out. Now, I think it's important for your listeners to know that those companies that wrote the business, and those policies are enforced and you're paying their premiums, you know, they're gonna pay the claims. You know, they they have adequate reserves under their mattress, so to speak money under the mattress to pay claims, even with some of the pricing errors that they made. So, it's a long answer to a short question. But basically, it was kind of the confluence of a lot of factors that were unknown. That came back to say, to say, look, you know, we're not gonna stay in this market, the ones that are in it, they're, you know, they're, they're solid, they understand that they've, they've seen the mistakes that were made, and they have, so to speak, price those mistakes into the premiums that you would be shown today. 10 years ago, it might cost you $1, so to speak, that same plan today would cost you $2 Why? I'm not saying it only cost $2. But why? Because they now know that they should have been charging $2 for the same thing 10 years ago. So that's kind of where we are.Ed Stone  9:41  That's that's that's what went wrong.Tom Deutsch  9:43  a long answer. But really a great answer. No, that really helps us understand where the where the market is today. Now before discussing the actual insurance products that are being sold today, I thought it might be judicious of us to take a look at what the cost of care is in the marketplace. And I also believe that our listeners know that the market is going to change by cost, depending of course, upon where you live and upon services. Yeah, so let's start with the basics. It really nobody, nobody really wants to leave home, and they're gonna dig in and the battle is on it when you ask people to do that. So basically, has the industry developed any parameters for what actual care costs in the home? Now I recognize that some people need three hours a day of care, and some people need eight hours a day of care. Can you give us a throw out any parameters that you folks have developed?Ed Stone  10:47  Yeah, as a matter of fact, there are websites out there that the consumers can go to what are called cost of care calculators. A couple of companies, I'll just mention off the top my head Mutual of Omaha has one out there, Nationwide Insurance has one out there. And you can Google it and find the the calculators and you plug in your state where you are. You plug in, you know, you know, today what the cost is? Five years, 20 years, assuming it's caught, not assuming the costs are going to go up. And it'll tell you things such as homecare, adult daycare, hospice care, assisted living, and even nursing home cares. So the tools are out there. But the the easiest way to describe it is it's expensive. I'm not trying to be flipped, but it's expensive. And it's getting more and more expensive. And the ability for there to be enough caregivers is the real thing that's concerning the industry. Because, you know, it's it's not the greatest, greatest type of job to have in terms of making a lot of money and being an easy job. So getting caregivers today is becoming trickier and trickier. Especially, you know, unfortunately, given the whole pandemic and the impact on caregiving is making it difficult. Now, all of that said, the the cost of cares is pretty consistent in some areas of the country. But I for instance, in preparation for this, I looked up a couple areas to give you some ideas. Let's say you're in California, and you want home health care, that's an A not not a not a nurse or a licensed, licensed practical nurse, just a home health care aide to come in. You're looking in the state of California about $28 an hour for you to have a somebody to come in, you know, do some light cleaning, you know, maybe do some laundry homemaker services. So 20, you know, let's say it's $28 a day, or $20 an hour, do the math three, four hours a day, five hours, it could be $100 a day, 500 a week, 2000 a month type of thing. And the Chicago say Illinois, it's about $25 an hour, New York, you know, the New York Metro, you're looking about $27 an hour. So the major metropolitan areas on the two coasts clearly are the most expensive. You know, here where I am in Vermont, it's not bad, because I'm out the middle of nowhere and provide but you get down towards Boston, you get down into Hartford, New York down the Washington corridor, very expensive. Same thing on the west coast. You look at San Francisco down through San Diego, very expensive. So what people a lot of times think about is, well, I'll buy my care, I'll get enough care for where I am. But they really need to be thinking about where am I going to be. It can work for you, it can work against you. So let's say someone from California is looking at Long Term Care Insurance today, figuring $28 an hour for home health care. But their plan is to retire to Baton Rouge, Louisiana. You know, Baton Rouge, Louisiana, you're looking at 20 $21. Now, that's a significant price difference. So what I tell people when I work with with advisors is don't just look at where you are today. 5560 years old, where do you perceive yourself being because that's what you want to plan for is not where you are today, but where you see yourself being because you might be able to get a lot less coverage for the place, you're going to have been spending a lot for the place where you are now. So home health care is the biggest expenditure or reimbursement of the insurance companies. I think people are surprised when I tell them that. But something like 65 66% of claims paid are for home health care, not for, you know nursing homes or assisted living. It's for home health care. So I think it's a situation that it's only going to get more expensive. I think you can look at about a three to 4% per year compounding, cost of care going up. But that's before maybe some of the impact of CO was going to hit where A lot of people don't go into the caregiving business anymore, it could that could really accelerate the cost of this stuff.Ed Stone  15:05  You know, now the, the rates you've quoted are for agencies. And one thing we know people do is go out and independently hire someone. And of course, that's going to be lower. But let me share a story with you. You know, I was in the business for a long time. And we did hire my wife and I and my brother did hire someone to come in and take care of my parents. But at the same time, we had them on a payroll, and we purchased Labor and Industry insurance in the state of Washington don't sell and I. And so basically, we had one of the caregivers get hurt. And basically, there was a claim to the state of almost a quarter of a million dollars. Now had I not done that and had insurance. And this was then a private caregiver that I hired in without insurance, that claim could have been made against the estate. And it would have been horrific, and definitely impacted the quality of life for both my parents. So a lot to think about. And people often do not think about covering that caregiver and just kind of sneaking somebody in and paying them cash on the side. And but there are consequences to every action.Ed Stone  16:24  Your home health care agencies obviously carry liability insurance for their employees, etc. But as you said, you are paying a markup when you go to a commercial agency, a for profit agency, that, you know, would be sending the caregiver into your home that money could last a lot longer if you were paying Betty next door type of thing. Right? You're absolutely right.Tom Deutsch  16:44  Okay, what about costs, assisted living,Ed Stone  16:46  assisted living? is running in California about what it's about 50 $600 a month? For a, you know, independent apartment type situation? Chicago metro area looked like it was around 4800. New York, Metro 5800, Florida, 4600. Louisiana again, 3600. SoTom Deutsch  17:10  let me jump in here. Now that is you're saying this is assisted living? Correct? Correct. Okay. And that would and we'll get to what the product covers. But that is something that insurance possibly might cover with certain parameters. Yeah. Okay. Let's talk about nursing homes. What are the costs of care there?  And I read it, but yeah, and I'm ready to brace myself.Ed Stone  17:35  Very expensive. California, again, you're looking at around $300 a day for semi private room, not even, you know, your own room, semi private room about 300 a day. Chicago land area 223, New York, 394. Florida, central southern Florida 284. And, again, Louisiana, is kind of your economy place 180 a day type of thing. throughout the country, you're looking at national average about 220 a day. But you know, it depends upon where you are, and where you want to be. It's supply and demand. And they have the cost of, of facilities, building the facilities in the metro New York area a lot more expensive than Baton Rouge, Louisiana. That's why they're charging more in New York so expensive.Tom Deutsch  18:22  And one of the things that I already got out of your podcast, besides staggering costs that have just jumped since I was in the business, is the fact that you have to anticipate where your parents are the person you're looking out for may eventually live. Because if the policy doesn't keep up with that you despite everything could still be in harm's way.Ed Stone  18:46  Yeah, well, today, quite honestly, Tom, the ability to ensure the entire risk is getting to be almost almost impossible for what I would call your average citizen you know, your folks that have worked hard, put money away, have you know, have some assets a home etc. 20 years ago, you could you could buy a Cadillac plan and never have to worry about a dime out of pocket. That's part of the problem with the pricing. They didn't assume that so the pricing today has it become a coinsurance situation? That's what we tell people is your your total risk is x. How much do you want to self insure? How much of the risk Do you want to put off on the third party, the insurance carrier, we can build a plan around that that concept?Tom Deutsch  19:29  Okay, as time has run out on this podcast, I'd like to thank Mr. Stone for being with us for this initial podcast, and he's going to graciously agreed to return on our next podcast we will actually dig in to who qualifies how you qualify for the various coverages and Mr. Stone I'd like to thank you for being with us.Ed Stone  19:53  Thanks, Tom enjoyed it.Miranda Hamilton  19:55  Thank you for tuning into, it's just wallpaper please share this episode with your friends. And help us reach more seniors needing help with health critical decisions. Visit it's just wallpaper.com to catch up on past episodes or find us on Facebook at it's just wallpaper to ask a question.

I'm talking to Ed Stone on Book Talk Radio Club. In 2014, upon finding an old-unpublished manuscript of his father's from circa 1974, Ed decided to get the book in print, as a tribute to his father Austin Stone's memory. Austin Stone, a well-known British novelist and BBC Playwright wrote Missing, Murder Suspected, a trio of murder/mystery stories based on true events. Find out more at https://www.booktalkradio.info/ed-stone

I'm talking to Ed Stone on Book Talk Radio Club. In 2014, upon finding an old-unpublished manuscript of his father's from circa 1974, Ed decided to get the book in print, as a tribute to his father Austin Stone's memory. Austin Stone, a well-known British novelist and BBC Playwright wrote Missing, Murder Suspected, a trio of murder/mystery stories based on true events. Find out more at https://www.booktalkradio.info/ed-stone

We talk to Ed Stone, chief scientist of the Voyager mission since its start and former head of JPL, about its journey, the heliosphere, and the Pale Blue Dot picture.

It was a simple and inescapable choice back in spring 2015, wasn't it? Stability and strong government with incumbent Prime Minister David Cameron, or chaos with Ed Miliband. We, the British people, did not choose chaos with Ed Miliband. All the Brexit palaver has sent the political news cycle spinning faster than ever, but there's one politician who's having a gentle bit of fun with it: yes, non-chaos-maker, Ed Miliband. First, he tweets at Theresa May ahead of her party's no-confidence-in-her-vote: "if it goes wrong tonight I can promise you a bright future in podcasting."  He would know, he's got a successful weekly one called Reasons to be Cheerful. Secondly, Ed really doubled down on all this stuff, and put an edited version of the chaos tweet on an Ed Stone (please google that) on the front of his Christmas card. His podcast producer, Emma Corsham, pops onto Freelance Pod with the card to talk about how Theresa May might fare as a podcaster, the Geoffocracy and, inevitably, shark movies. Emma works on a range of podcasts, and she can help you produce one too, so look her up on Twitter: @produceremma. -- How has your industry moved from analogue to digital? Each episode, creative guests tell host Suchandrika Chakrabarti how the internet has revolutionised work. Newsletter: https://tinyletter.com/freelancepod Instagram: https://www.instagram.com/freelancepod/ Twitter: https://twitter.com/freelance_pod_ Facebook: https://www.facebook.com/groups/FreelancePod/ YouTube: https://goo.gl/chfccD 

Forty-one years after it launched into space, NASA's Voyager 2 probe has exited our solar bubble and entered the region between stars.

Forty-one years after it launched into space, NASA's Voyager 2 probe has exited our solar bubble and entered the region between stars.

I'm talking to Ed Stone on Book Talk Radio Club. Ed is the editor of Missing, Murder Suspected, a trio of murder/mystery stories based on true events authored by his late father Austin Stone, a well-known British novelist and BBC Playwright. Listen in and find out where to purchase Missing, Murder Suspected at www.booktalkradio.info#booktalkradioclub#indieauthorsonair#authorslovebooktalkradioclub

I'm talking to Ed Stone on Book Talk Radio Club. Ed is the editor of Missing, Murder Suspected, a trio of murder/mystery stories based on true events authored by his late father Austin Stone, a well-known British novelist and BBC Playwright. Listen in and find out where to purchase Missing, Murder Suspected at www.booktalkradio.info#booktalkradioclub#indieauthorsonair#authorslovebooktalkradioclub

40 years ago, on September 5, 1977, Voyager 1 launched from Florida, Earth, to begin a grand planetary tour of the solar system, taking spectacular pictures and measurements of Jupiter, Saturn, Uranus, and Neptune and then, spectacularly, being the first human made object to leave our solar system and officially enter interstellar space. Kevin and Jimmy talked to Ed Stone, a scientist who shaped the path of Voyager 1 and 2, about their historic discoveries over the last four decades.

It is most space fans’ favorite planetary science mission, and with good reason. We visit with the man who has been in charge of Voyager mission science for more than four decades.Learn more about your ad choices. Visit megaphone.fm/adchoices

Interview with Ed Stone; What's the Word: Epigenetics; News Items: Mandela Effect, Farming Land Use, Trump's Science Budget; Who's That Noisy; Your Questions and E-mails: Bible Time Frame; Science or Fiction

Interview with Ed Stone; What's the Word: Epigenetics; News Items: Mandela Effect, Farming Land Use, Trump's Science Budget; Who's That Noisy; Your Questions and E-mails: Bible Time Frame; Science or Fiction

Here at a Team of John O’Sheas we are for the many despite only being listened to by the few. At this election time, we feel the need to lay out the core values of this podcast. Do we have a strong line on defence? What about justice? Health? International trade? In this episode we will set down our main ideas in the clearest possible terms. We’ve had the Ed Stone. Get ready for the John Stones. NB. This podcast does not endorse terrible jokes. We also retain the right to flip flop on our major policy ideas. This is a joke about Tories. Once we have done this, we will be discussing our ideal cabinet members. Will Chris Kamara be our Minister for Communications? Will Arsenal Wenger be our Minister for Exiting Europe? All this and more beside in this week’s episode of A Team of John O’Sheas…

Prof. Ed Stone, one of the most accomplished and decorated scientists of our time, joins Kevin and Jimmy to break down the spectacular news about the Jovian moon Europa (the forbidden moon in the movie 2010.) Not only do we now have proof that it has a salty ocean, but it is spraying out water geysers on to the surface and into space. Searching for life on the moon, may not require drilling into miles thick of ice sheets that cover.

In the final episode of the series, the team debate what we will remember about this election. We’ve had television debates, a remarkable exit poll, and the ‘Ed Stone’ – but what moments will stick in the public consciousness over the years ahead? And in light of erroneous polls and wild exaggerations of the power of social media, to what extent was this election of illusions? In the end, did it live up to the hype? Then we interview Lord Grabiner QC, influential barrister and someone at the top level of Labour politics, to discuss the Human Rights Act – what it’s really all about, why people feel so strongly about it, and the Conservative strategy for loosening its power over UK law. And as a close ally and friend to David Miliband, we also ask him for his thoughts on the lessons of the Blair years, and whether the elder Miliband plans to return. Finally, the team look forward to the next series in January, which will cover elections across the world, the US presidential primaries, and the evolving... See acast.com/privacy for privacy and opt-out information.

Professor Ed Stone from Caltech talks about Exploring in the Interstellar Medium during the short course at the Keck Institute for Space Studies on September 8, 2014. In conjunction with the KISS program Science and Enabling Technologies to Explore the Interstellar Medium

JPL’s Blaine Baggett and former JPL director Ed Stone talk “The Stuff of Dreams,” a documentary about an era in planetary exploration that was both exhilarating and exasperating. Emily Lakdawalla explains why Curiosity has joined the fraternity of backward driving rovers on Mars, and Bill Nye considers the not-too-distant future when airliners and spaceliners will share the sky.Learn more about your ad choices. Visit megaphone.fm/adchoices

Liz spoke to Ed about the Voyager probes, which are on the verge of leaving the solar system.

Voyager 1 at the Edge of the Solar System, With Ed StoneLearn more about your ad choices. Visit megaphone.fm/adchoices