Category Archives: Long Term Care Insurance Buying Tips

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

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

The Secret to a Successful Retirement: Partnership

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

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

Infographic: LTC by the Numbers, Buying Trends


People like to know what other people are buying – what the trends are. The assumption is that all these other people must know what they’re doing. So LTC Consumer thought we would put your minds at ease by compiling our long-term care insurance (LTCI) buying trends into one easy-to-read Infographic. Guided by our specialists, last year’s consumers chose policies that made the most sense for their families and their retirement strategies. Check it out and see what was trending. Continue reading

Can I get Long Term Care Insurance if I’ve had Cancer?

Many people assume that just because they’ve had some form of cancer, that they are no longer eligible for long-term care insurance. Actually, if you’ve strictly followed all treatment, waited an appropriate numbers of years, and are released from a doctor’s care, then there’s a good chance you are eligible. Your best bet is to speak with a specialist who will ask you a series of questions and research which carrier can give you the best coverage for the best cost. Continue reading

Long-Term Care Insurance Specialists Save You Money, Time, and Stress

LTC Specialists

Learning about any type of insurance doesn’t sound like an awesome way to spend an afternoon. Long-Term Care Insurance (LTCI) can be intimidating, and when people start researching, they can quickly get frustrated and overwhelmed. That’s why it’s so important to work with a Specialist who can save you money, time, and stress by guiding you to a long-term care (LTC) plan that fits your needs and budget – all while sitting in the comfort of your own home. Continue reading

Why you should buy long-term care insurance sooner, rather than later

We’ve heard the statistics. 70% of people turning age 65 will need long-term care (LTC) at some point in their lives. 15 million Americans are expected to need LTC by 2050. In 2015 there were $225 billion (Billion! not million) in LTC expenditures in the US. We know we should probably look into purchasing long-term care insurance (LTCI). But what age is the best age to purchase LTCI? Continue reading

Will today’s LTC Insurance Policies experience Rate Increases?

If you purchase a long-term care insurance (LTCI) policy today, your odds of receiving a rate increase in the future are much less than in year’s past. The American Association for Long-Term Care Insurance (AALTCI) polled close to 80 long-term care (LTC) industry actuaries and found that 79.1% of them believed the likelihood of a future rate increase on presently priced policies was 10% or less. 12.5% of the actuaries believed there was a 20% chance for an increase, 4.2% said 30-40%, and 4.3% said 50% or more. AALTCI Director Jesse Slome said he believes the risk of a future rate increase is zero. Continue reading