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The goal of a successful retirement is to be able to do what you want, when you want to. You want to have money for necessities like housing, food, and medical bills, while still being able to travel and spoil your grandchildren. Unfortunately, a long term care (LTC) event can often foil many of those plans. The secret to a successful retirement is to purchase a Partnership-qualified Long Term Care Insurance (LTCI) policy. Continue reading
Thanksgiving sets the table for Long Term Care Awareness Month
As you prepare to sit down with your extended family in three weeks to celebrate Thanksgiving, keep in mind that November is also National Long Term Care Awareness Month. This observation month was developed in 2001 by the American Association for Long Term Care Insurance, and the goal was to encourage people to develop a plan for retirement, to protect their wealth and their relationships, and to look into long term care insurance. While it may be an awkward conversation to start, it’s an important one to have. Continue reading
Why Sandwich Generation and Silver Tsunami are Terms you Should Understand
There are many terms tossed around in the long term care world. Activities of daily living, benefit triggers, and cognitive impairment. Contingent nonforfeiture, indemnity, and spending down. But there are two terms that are very important to know and to understand as we get older, plan for our retirements and consider purchasing long term care: Sandwich Generation and Silver Tsunami. Continue reading
Why Subscription Boxes are Great for Seniors
The older people get, the more isolated they often are. Spouses may have passed, friends can no longer drive, and children are busy with their own lives. If seniors are not living in a community or facility that organizes activities, they are often bored, which can lead to depression. A very large portion of my grandmother’s day is spent in her one-bedroom apartment in front of her television. I was wracking my brain the other day trying to brainstorm a birthday present for her, when brilliance struck – subscription boxes! Continue reading
Every Family Experiences a Long Term Care Story, Will Yours Be Prepared?
Almost every person you know has a family story about long term care (LTC). Grandpa had a stroke and Grandma took care of him. Grandma fell and moved in with an aunt. Auntie had complications from diabetes and had to move into assisted living. Uncle started forgetting things and moved into a memory care center. Any of those sound familiar? We plan ahead and purchase insurance for car accidents, house fires, and tooth fillings. So why don’t we spend more time planning for our LTC needs? Continue reading
The Best Tip for LTC Planning Month
October is Long-Term Care (LTC) Planning Month, and we’ve got a tip to make your plan go as smoothly as possible. The most obvious tip is to speak with one of our LTC specialists. They can consider your age, health, budget, and retirement goals and work with you to find the best insurance carrier and the best LTC product. If you have concerns about certain things you believe may prevent you from qualifying for a policy, our specialists will be able to help you create a plan for you to eventually get coverage. Continue reading
So Many Long-Term Care Plan Options, So Little Time
Deciding what kind of long-term care (LTC) coverage to purchase can be a daunting task. That’s why LTC Consumer specialists are so helpful. They’re brokerage, so they’re not tied to one carrier and one product. Currently they offer ten carriers and a variety of products with each carrier. Working with a specialist at LTC Consumer will alleviate the stress of deciding. We listen to your retirement planning concerns, and we help you find an LTC solution that works best for your situation and your family. We’ve listed some statements below that may help you decide which product best fits your needs. Continue reading
Caregiving Methods that Maintain Dignity for Dementia Patients
All too common in the news are stories of elder abuse in care facilities. Because many of the patients are suffering from various forms of Dementia, they are forgetful or often confused, and are easy targets. On the other side of the spectrum, however, are many caregivers who try various methods to help Dementia patients maintain their dignity and as much of a normal life as possible. Try some of these tactics with your own loved ones, or see that they are implemented at their care facility. Continue reading
Handy Gadget Could Help Loved Ones Stay Independent
There are moments in a family’s story that suddenly change the caregiving journey of everyone involved. You know these moments; heart attacks, falls, car accidents, etc. You may have even experienced the panicked phone calls, family group texts, and reactionary plans made soon thereafter. My grandmother fell the other day and was unable to get up. And in the days that followed my family realized she wasn’t quite as independent as we all thought, and we needed to take further steps to ensure her safety moving forward. In my grandmother’s case she has not purchased long-term care insurance, is not yet eligible for Medicaid, and finances are soon to be an issue. Continue reading
Celebrate Healthy Aging Month this September
When the baby boomers first started turning 50 there was an extremely negative attitude about getting older. People didn’t want to talk about it or even think about it. So Healthy Aging Month was created for the month of September as a way for people to have a more positive outlook about growing older. The month is meant as a way for older people to reevaluate and reinvent. Here are a few ways you can participate and benefit. Continue reading
