Long Term Care

Benefits of Extended Health Care

Frequently people question the benefits of having a plan for extended health care.  Folks who have been involved with caring for an adult understand.  I have included a short video to show how a plan can enhance a family’s quality of life.   


HybridHybrid Policies

Amy and Jeff W. reached out to me just days after Jeff’s father had passed away.  Along with other family members, they had cared for Jeff’s father for three years. Their experience convinced them they needed a plan that would protect their family from having to care for them. They didn’t know where to begin. […]


What Difference Will It Make?What Difference Will It Make?

My family will have an account of money they did not have before if they have long-term care plans which will give: *The ability to remain on their job vs being a care giver *Protect retirement savings, a life time of effort *A choice of who will care for them when they are not independent […]


Retirement Planning: Proteting Your Life SavingsRetirement Planning: Protecting Your Life Savings

It’s never been harder to get ready to retire. One of the most expensive costs you’ll face in retirement is paying for health care. Big monthly expenses can rapidly eat away at your retirement savings. Protecting yourself against potentially catastrophic health-care expenses is smart. For many, long-term care insurance has been the answer. Long-term care […]


There's No Place Like HomeThere’s No Place Like Home

There is no place like home is what consumers say when they inquire into long-term care insurance. The common belief is that long term care insurance is for nursing home care. Truly, the case is that a long-term care policy is nursing home avoidance protection. The number of Americans in their 70’s and 80’s and […]


What is a Hybrid Long Term Care Policy?What is a Hybrid Long Term Care Policy?

Frequently, I am asked what is a hybrid long term care policy. Often times that question comes up when I am asked “What if I never use long term care.” I will answer that in this blog. A hybrid policy is a combination of a universal life insurance policy and a long term care policy. […]


Experienced Long-term Care Consultant Tells How to Spot Medicare FraudExperienced Long-term Care Consultant Tells How to Spot Medicare Fraud

Medicare fraud costs taxpayers billions of dollars each year due to false claims and exaggerated medical bills. Medicare consumers are oftentimes unknowingly contributing to the problem through various goods and services that are charged on their behalf by fraudulent providers.  Because Medicare claims are often paid without question, the system and its beneficiaries are especially […]


Cost of Home Care Makes Aging in Place AttractiveCost of Home Care Makes Aging in Place Attractive

An important component of downsizing for retirement is the type of residence. When the goal is to “age in place”, fewer stairs, wider doorways, and safety bars in baths are items to consider. The wisdom of the goal is that folks feel secure in their own environment and it is less costly. Genworth’s 2015 Cost […]


Hiring a Long Term Care Consultant Provides Many Benefits for Your Long Term Care NeedsHiring a Long Term Care Consultant

Hiring a long term Care Consultant provides many benefits for your long term care needs. Anytime we are out and about, it is obvious that the US Population is aging. The fact that people are living longer is a good thing in many ways. However, there is a concern. Are retirement plans funded to last […]


Six in Ten Women Fear Running Out of Money During RetirementSix in Ten Women Fear Running Out of Money During Retirement

A recent study “Women, Money and Power” done by Allianz Life Insurance looked at how changes in the workforce, family structure, lower pay for women, and other social roles have impacted women and their financial responsibilities.  Women are also looking ahead to their long term financial responsibilities and how to plan for them. The study […]


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