• Will my children be able

    to afford the care I need?

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15 Ways to Love Getting Older

15 Ways to Love Getting Older

I’ve got a milestone birthday coming up, so I’m feeling a bit retrospective. I find myself asking a lot of people what their favorite decade has been, or what they enjoy about getting older. Some of the answers actually make me look forward to aging. After spending the first 40+ years of our lives worrying about wrinkles and grey hairs, it might be nice to just relax and enjoy nature’s show. Or after years of stressing about relationships or what sort of career path we’re going to follow, it seems that as we get older these things have a way of working themselves out. So without further ado, here is LTC Consumer’s take on 15 ways to love getting older: Continue reading →

I’ve had COVID, can I still apply for LTC Insurance?

COVID - Can I Still Apply for LTCI?

In a world with COVID everything is different; work, school, and now even holidays. But one thing remains the same, we still need to prepare for the future, protect our retirement, and look into long term care insurance. But what if you’ve been exposed to COVID, tested positive, or even spent time in a hospital? Are you still eligible to apply? Each carrier has a different protocol, but the good news is, yes, you are still eligible – eventually. Continue reading →

Why National Check Your Meds Day is Important

Why National Check Your Meds Day is Important

Next Thursday, October 21 is National Check Your Meds Day. It’s a time to review prescriptions and supplements with a pharmacist. Participating pharmacies will remove expired medications, update prescriptions as needed, and answer any questions. It’s a good moment to review what each medication does, how it can affect you, if you’re taking it correctly, and if there’s a more cost-effective alternative. Continue reading →

Retirement Living Helps Retirees Make Important Decisions

Planning for your retirement can be an extremely daunting process. You almost never feel completely prepared, and you almost always feel like you started too late in the game. That’s why LTC Consumer is so excited we’ve been featured on the RetirementLiving website. Having done the research for you, RetirementLiving has resources pertaining to your health, your entertainment, and your financial stability. With our forces combined, we can make retirement planning and long-term care (LTC) planning easy, educational, and trustworthy. Continue reading →

15 Topics for Easy, Meaningful Conversations with Grandparents

As COVID continues to rock the country, one group is particularly affected: older populations – especially those living in care facilities. Seniors were already isolated and often susceptible to depression. In order to protect their vulnerable communities, many elder care facilities ordered residents to stay in their rooms, eat in their rooms, and offered zero visitation. This has been devastating to many, causing noticeable signs of cognitive decline. Continue reading →

Custodial Care and Long-Term Care Insurance

Long-term care insurance covers two types of care: skilled care and custodial care. Skilled care requires a licensed health professional, and custodial care is to assist with activities of daily living and does not generally require medical training. According to long-term care specialist Thomas Gilmour, custodial care is the primary reason people purchase long-term care insurance, and every plan that LTC Consumer offers currently covers custodial care. Continue reading →

Long-Term Care Insurance – Am I Too Late?

Some people start shopping for long-term care insurance (LTCI) early-on because they know the value. Some people experience a long-term care (LTC) event with a loved one and suddenly understand the importance of a policy. Others go through a change in health or a landmark birthday and realize the urgency in applying for LTCI sooner rather than later. When you start planning for your retirement, and your LTC needs, don’t panic. Ideally, we’d buy insurance the day before we needed it, with the goal being to pay the least amount in premiums and to receive the most back in benefits. At LTC Consumer we understand that goal, and our specialists work with you to figure out the best time, and the best product, for your needs. Continue reading →

Prepare your Retirement for a Pandemic

Prior to COVID-19 when we heard “independent living”, “assisted living”, and “nursing home” we thought of seniors happily living out their retirements with communal dining and game nights. Now we hear of those places and we think of isolation, fear, and sickness. Due to staffing shortages, lack of protective gear and close living quarters with constant contact, the very places meant to keep our seniors safe are quite possibly the worst places to be. Continue reading →

Long Term Care Planning, the Best Way to Show your Love

This Valentine’s Day, after the sweet words and treats, consider an even better gift for your loved ones – a long term care insurance (LTCI) policy. I know, I know, not as picturesque as a dozen red roses, or as glamorous as jewelry. However, if you love your family, your savings, your peace of mind, and your retirement, it may be the best thing you ever purchase. Are you ready to show your love? Continue reading →