“Bill did a great job helping me obtain LTC Insurance for my mother. He provided many quotes to make sure that we had all of the options before us. I am super pleased with his service and would recommend him to anyone considering LTC options.”
“After researching this insurance product for two years my husband and I decided to move forward with Jonathan. Jonathan patiently explained all aspects of the policy and made us feel comfortable and confident with our decision. We can now work toward full retirement knowing our assets are protected and giving us great peace of mind. I would highly recommend Jonathan if you are considering LTC Insurance as part of your retirement plan.”
“Dan was a very helpful and professional insurance agent. He was able to answer all of our questions and exceeded the expectations we had for this experience. I would highly recommend him to anyone who is in the market for this coverage.”
“I worked with Samantha over the course of several weeks, during which we exchanged questions and information. Samantha was extremely helpful, calm, and encouraging, which removed the stress that I initially felt. Samantha is well informed and positive and I really appreciated both her cheerfulness and professionalism.”
“(Jeff) was knowledgeable, efficient, kind and open to our timeframe. He found us different options and found us one that had very good coverage and within our price range. I would recommend his services to anyone looking for long term care (insurance).”
“We were so happy to have Sarae as our LTC Consumer specialist. She’s very knowledgeable, accommodating, and responded to all our inquiries. We tried to get quotes from different companies for LTC; our decision to choose the company that Sarae offered was not only because of the company but how she presented it and made us feel valued and appreciated.”
“We all appreciate excellent customer service. You will find it if you work with Jeff. He is a seasoned professional who is able to educate someone like me who doesn’t deal much with insurance without making you feel dumb. He is very personable yet doesn’t ‘overshare’. (You know what I’m talking about!) He makes you feel that the time-worn phrase ‘the opportnity to serve you’ is really true in his case. And you sense that he will be genuinely glad to help you in the future if the need arises. Character matters to him, and he will guide you kindly through the never-fun task of purchasing long-term care insurance. Thank you, Jeff!”
Welcome to LTC Consumer! Your long term care resource.
You do a lot to plan for the future. You purchase health insurance in case you get sick, life insurance to help protect your family after you’re gone, and you may open an IRA and/or 401(k) account to prepare for retirement. But what would you do in the face of a long term care event?
LTCconsumer.com is your “go to” long term care insurance resource for information on what some of your options are. We’ll help you by deconstructing the issues surrounding long term care insurance and educate you on your options.
Have you considered making a strategy to prepare for an unexpected long term care event?
Let us help you understand your options. We provide all of your long term insurance quotes from one single source, making it easier for you to review and compare.
01.
The potential for someone needing long term care in their lifetime is real
As life expectancy continues to increase, so does the potential for needing long term care in the event of an extended illness or accident.
75%
A healthy 65-year-old couple has a 75% chance that one partner will require a significant level of long term care (LTC) if they each live to their projected actuarial life expectancies, according to a new HealthView Services report.
02.
Traditional health insurance may not help pay
Unfortunately, traditional health insurance might not necessarily help pay for long term care. Health insurance pays for medical expenses, doctors’ services and hospital stays. In most cases, it won’t cover the costs of a home health aide or assisted therapy.
03.
What about Medicare or Medicaid?
Although Medicare and Medicaid might cover some costs, these programs are not without restrictions and limitations.
Based on your personal experiences and family history forming a long term care plan — whether it be through private long term care insurance (LTCI), LTCI provided by an employer, or by setting aside assets to pay for future events — is something that could be a wise addition to your financial strategy. Consider making it a priority to get educated and to explore your options.
By making a plan to prepare for the unexpected need for care, you can remain more independent. You choose where you receive treatment and have confidence that your family’s financial well being is being protected* against the high cost of a potential long term care event.
*Product guarantees are backed by the financial strength and claims-paying ability of the issuing insurer.
04.
Everyone should consider a long term care strategy
Not everyone will need long term care insurance, but everyone should understand the effect long term care could have on their family and their retirement strategy.
Most families find a way to provide care for their loved ones. However, unless you’ve gone through it, you may not understand the physical, emotional, and financial tolls providing care can take.
By making a plan to prepare for the unexpected need for care, you can remain more independent.
Need Help?
We’re here to help you understand your options and create a strategy for your future.
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