• Will my children be able

    to afford the care I need?


How Netflix’s Marie Kondo makes Aging and Transitioning Easier

Marie Kondo

A few weeks ago my family was helping Grandma H move from a house into an assisted living facility. I was in the basement and spotted a few shoe boxes of unorganized photos and naively offered to help Grandma put them in albums. She replied, “Oh honey, that would be great, why don’t you just take all the photos and put them in albums for the girls?” My mom is one of three daughters. I said that sounded fun, snagged the boxes, and loaded them into my car. By the time I walked back to the house my mom, aunt and cousin had each found several larger, dirtier boxes of even more photos. My entire car was full to the ceiling by the time I headed home. Continue reading

LTC Policy Features: What Is Contingent Nonforfeiture?

Contingent Nonforfeiture_

Insurance policy features and terms can sometimes be confusing and difficult to understand. One of the commonly confused Long Term Care Insurance (LTCI) policy terms is contingent nonforfeiture. Especially when you hear two versions of nonforfeiture: contingent nonforfeiture and a nonforfeiture rider.

First, we’ll explain what contingent nonforfeiture is and how it benefits policyholders. Then, we’ll discuss what makes the nonforfeiture rider different.

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Why Customers Recommend Purchasing Long-Term Care Policies Through LTC Consumer

Why Customers Recommend

When you are ready to purchase long-term care insurance (LTCI) you want to make sure you’re getting the best policy for your needs at the best price for your wallet. At LTC Consumer our agents are from all across the country, have years of experience, and long-term care (LTC) planning is all they do. Customer testimonials say it best when they talk about knowledge, being at ease, being able to compare different plan options with different carriers, and being able to shop from their home on their time. Continue reading

Your Health Is Important Too: Valuable Respite Opportunities for Caregivers

Your Health Is Important Too_ (1)Caregiving can be a challenging role for anyone. It’s often filled with unexpected challenges, including physical and emotional turmoil leading to poor health.

When you become a primary caregiver to an aging loved one, their well-being becomes top priority. However, your health and vitality are just as important. Taking time for respite care will help you stay healthy and strengthen your abilities as a caregiver.

If you’re looking for respite care services and programs to give yourself a break, consider these options. Continue reading

DIY Long-Term Care – How to Self-Insure for a Long-Term Care Event

DIY Long-Term Care -The odds can be a bit worrisome. The typical 65-year-old is expected to live another 20 years and has over a 50% chance of needing some form of long-term care services in their lifetime.

The average cost for long-term care today is around $138,000. Medicaid can cover part of this cost, but only for the impoverished. Long-Term Care insurance (LTCI) helps cover the risk of a long-term care event, but only about 10 million Americans are covered. Continue reading