• Will my children be able

    to afford the care I need?

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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 →

LTC Consumer Announces New National Sales Manager and Expanding Team

2019 experienced record sales as consumers were eager for long-term care planning solutions.

Today, LTC Consumer announced that due to record growth they will be promoting Richard Horowitz as a new National Sales Manager. Horowitz will be heading up a second team of LTC insurance specialists and hopes to offer unprecedented technology and sales approaches to create an exceptional consumer experience. “I’m very excited,” he said. “Dedication and hard work paid off, and I’m really looking forward to expanding our internet sales team and helping many more people with their long-term care planning.” Continue reading →

Times Square Takeover Hopes to Cure ALS, Alzheimer’s, and More

NFL players wearing pink shoes, actors wearing red ribbons, talk show hosts pouring buckets of ice water over their heads. Seemingly silly things to solve very serious issues. The best way to encourage research funding for today’s diseases is to get them noticed. Next week I AM ALS and other advocates are gathering in New York’s Times Square and taking over nearly a dozen screens to show the world that curing one disease, amyotrophic lateral sclerosis (ALS), could also help cure other progressive neurodegenerative diseases such as Alzheimer’s, Parkinson’s, Multiple Sclerosis, and many more. They say together we can change the world. Continue reading →

8 Thoughtful Gifts for Caregivers in 2019

We did it! We got through Thanksgiving, Black Friday, Small Business Saturday, Cyber Monday, and Giving Tuesday! Phew! High-Five! Now we can focus on showering some appreciation on the amazing caregivers in our lives. Last month was National Family Caregivers Month, so we thought this month we’d provide a meaningful caregiver’s gift guide for the 2019 holiday season. Continue reading →

Giving Back: Adopting a Senior for the Holidays

Tomorrow almost my entire family will gather for a delicious Thanksgiving meal, and we’ll gather again for Christmas less than a month later. I’ve been to several Friendsgivings and I’m sure there will be plenty of holiday parties as well. We are very blessed in that way. Other people are not so lucky, especially the elderly. Many older people spend the holidays alone. Spouses have passed, children have moved far away, and friends no longer drive. The thought of this inspired me, and I hope to inspire you, to adopt a senior this year for the holidays. Continue reading →

When Forgetfulness Becomes a Concern

If you’re like me, anytime there’s anything wrong with you, you look it up. Why does my fingernail have a strange white mark? Do I have a vitamin deficiency? The ever-ready world wide web is a blessing and a curse. As many people get older and find themselves becoming a little more forgetful, they often wonder about scarier things. If I lost my keys, is that a sign of Dementia? I thought today was Friday, is that a sign of Alzheimer’s? My grandmother would call these “senior moments” and would usually just laugh them off. The not knowing can be scary, and there are a few ways to tell the difference between simply getting older, and perhaps having a medical condition of concern. Continue reading →