When a plan is governed by ERISA, the preemption provisions of that law are intended to provide uniformity by preempting state laws that relate to the plan, thereby preventing inconsistent treatment of plans in multiple states. DaimlerChrysler Corp. Healthcare Benefits Plan v.
As a family child care provider, you have the flexibility of setting your own rates, fees and hours, explains the National Association for Family Child Care. Although you determine how much you charge clients for child care, your rates need to be competitive for your region.he average home day care income per child in most states ranges from $4,000 to $8,000. Providers in New York are the only other home-based child care workers who earn a five-digit average per infant.
Long-term care can be expensive. The cost is based on the amount and type of care you need, where you receive it, and what type of medical professional provides it. You can expect to pay at least $3,000 a month for a care in an assisted living center and more than $6,000 a month for care in a nursing home. A long-term care insurance policy typically pays from $50 to $250 per day for nursing home care. To find out how much coverage you might need, call local nursing homes, home health care agencies, and adult day care centers in your area and ask about their cost for daily care.