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
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
If you have a relative living with dementia, it’s natural to be concerned about whether you or your children may develop the disease. What most people may not know is there are several types of dementia and most of them are not hereditary.
Learn more about the common types of dementia and the chances of relatives developing the same disease. Continue reading
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
After working hard for most of your life, it’s time to have fun and relax in comfort during retirement. Luxury retirement communities offer the maintenance-free lifestyle and easy-living many retirees hope for.
However, luxury retirement living comes with a price. If you’re considering a luxury retirement community in your future, don’t forget to factor in the extra amenities, features, and services included in the cost. Continue reading
Baby boomers refers to the group of individuals born between 1946-1964 following World War II. According to the U.S. Census Bureau, this generation has had the lowest poverty rate of all age groups. However, as baby boomers are entering retirement age, they have a new set of spooky realities facing them. Continue reading
Marriage is a big commitment. It’s natural for couples to be nervous before jumping in. Recent trends suggest more people are foregoing marriage to cohabitate instead.
What’s Trending: Cohabitation
One reason for an increased interest in cohabitation instead of marriage isn’t just the fear of matrimony, it’s more out of concern of the possibility of it ending. With the prospect of divorce looming over people’s heads, many are more apt to move in with each other versus committing to forever. Continue reading
Chances are you, your neighbor, a family member, or a coworker are providing some form of caregiving services. In the United States, millions of people provide support and care for ill or impaired loved ones. Yet, many don’t talk about the effects of caregiving on family members and what can be done to address the issue.
Before you make the jump to a hybrid long-term care policy, get to know the true cost of foregoing traditional long-term care coverage. While there’s a time and a place for hybrid products, here are the reasons why many choose traditional long-term care insurance instead. Continue reading
Maybe you’re aware of the financial risk of a long-term care event but haven’t pulled the trigger and applied for coverage yet. Life will always have its challenges or busy seasons to distract us, but it’s never a good idea to wait too long to secure coverage for yourself or a loved one. The following are five reasons you shouldn’t delay in getting the long-term care insurance (LTCI) coverage you need. Continue reading