Long Term Care

 

Long-Term Care Planning: Good To Know Tips

Monday, December 18th, 2017

You Plan, you Save and you Invest to create a financially secure tomorrow. Needing long-term care can impact your loved ones, your assets and your retirement. Are you prepared with a plan to address a long-term care need that lasts for several months or for many years? Here are a couple of tips from the […]

Hang On To Assets

Thursday, October 26th, 2017

What is a Partnership Policy and What Makes it Different? Long-term care insurance policies sold as a “Partnership Policy” are different from other long-term care policies in the following ways: Partnership policies carry a special endorsement from the State for meeting additional consumer protection standards. These standards include many consumer safety features that provide assurance […]

What Difference Will It Make?

Thursday, August 17th, 2017

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: Protecting Your Life Savings

Thursday, August 10th, 2017

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 Home

Monday, November 2nd, 2015

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?

Wednesday, September 16th, 2015

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. […]

Cost of Home Care Makes Aging in Place Attractive

Wednesday, June 24th, 2015

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 […]

Six in Ten Women Fear Running Out of Money During Retirement

Monday, April 27th, 2015

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 […]

How to Figure the Cost of Caring for an Aging Relative

Wednesday, February 4th, 2015

The number of adults caring for someone with a serious health problem is on the rise and is likely to continue growing as the population ages. When assuming the care of a relative, family members are putting their own finances and even health at risk. Those who care for an older family member are more […]

Long-Term Care Solutions for Seniors

Wednesday, January 28th, 2015

When life changes due to the death of a spouse or health is compromised, many people look for ways to make changes in their lifestyle. They look for ways to make life more simple and easier. There are choices for most people to consider. The first step is frequently an Independent Living location. Independent living […]

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