“Bill was extremely knowledgeable and personable. He explained terminology and walked us through the LTC application process in a manner that made me feel very comfortable and confident with our decision.”
“Samantha Johnson was very competent, very responsive, and provided insight without pressure. She flexed her schedule to accommodate our rapidly changing schedule. I would advise anyone looking into LTC to request Samantha Johnson!”
“Positive at every step. Patient. Informed. Flexible. Willing to consider ALL options and run cost scenarios. Information sharing seems complete and honest. Knows the products she is selling. Patient with all my questions. Willing to explore all cost options.”
“Cathy takes her time to understand customer needs and listens to your goals. Cathy was very knowledgeable about the products she represented, easy to work with, and utilized modern technology to support our engagements.”
“Kathryn is patient and knowledgeable. I never felt rushed and she listened to my feedback and took all I had to share into consideration. I would recommend Kathryn as your LTC Specialist as I was comfortable with her and trusted her expertise and her interest in my best interest.”
“Bill Wetmore made a potentially confusing and complicated process much more understandable. He knows his stuff and communicates it in a thorough and friendly way. I’d spoken with a couple other people in this world, and Bill Wetmore made it a completely different experience–in the best of ways!”
“Rich is professional and straightforward.”
Welcome to LTC Consumer! Your long term care resource.
You do a lot to plan for the future. You purchase health insurance in case you get sick, life insurance to help protect your family after you’re gone, and you may open an IRA and/or 401(k) account to prepare for retirement. But what would you do in the face of a long term care event?
LTCconsumer.com is your “go to” long term care insurance resource for information on what some of your options are. We’ll help you by deconstructing the issues surrounding long term care insurance and educate you on your options.
Have you considered making a strategy to prepare for an unexpected long term care event?
Let us help you understand your options. We provide all of your long term insurance quotes from one single source, making it easier for you to review and compare.
Want to learn more?
01.
The potential for someone needing long term care in their lifetime is real
As life expectancy continues to increase, so does the potential for needing long term care in the event of an extended illness or accident.
75%
A healthy 65-year-old couple has a 75% chance that one partner will require a significant level of long term care (LTC) if they each live to their projected actuarial life expectancies, according to a new HealthView Services report.
02.
Traditional health insurance may not help pay
Unfortunately, traditional health insurance might not necessarily help pay for long term care. Health insurance pays for medical expenses, doctors’ services and hospital stays. In most cases, it won’t cover the costs of a home health aide or assisted therapy.
03.
What about Medicare or Medicaid?
Although Medicare and Medicaid might cover some costs, these programs are not without restrictions and limitations.
Based on your personal experiences and family history forming a long term care plan — whether it be through private long term care insurance (LTCI), LTCI provided by an employer, or by setting aside assets to pay for future events — is something that could be a wise addition to your financial strategy. Consider making it a priority to get educated and to explore your options.
By making a plan to prepare for the unexpected need for care, you can remain more independent. You choose where you receive treatment and have confidence that your family’s financial well being is being protected* against the high cost of a potential long term care event.
*Product guarantees are backed by the financial strength and claims-paying ability of the issuing insurer.
04.
Everyone should consider a long term care strategy
Not everyone will need long term care insurance, but everyone should understand the effect long term care could have on their family and their retirement strategy.
Most families find a way to provide care for their loved ones. However, unless you’ve gone through it, you may not understand the physical, emotional, and financial tolls providing care can take.
By making a plan to prepare for the unexpected need for care, you can remain more independent.
Need Help?
We’re here to help you understand your options and create a strategy for your future.
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See what others have to say about working with our LTCI experts.
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