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About Affordable Long Term Care Insurance

Long-Term Care Insurance (otherwise known as LTC or LTCi) is an insurance policy that pays for extended Long-Term Health Care services be it at home, adult daycare. Assisted Living, Memory Care and Nursing Homes. People of all ages require extended Long-Term Health Care due to illnesses, accidents and the impact of aging. Contrary to popular belief, these services are NOT covered by regular health insurance or Medicare.

According to the U.S. Department of Health and Human Services, if you reach the age of 65 you will have a 70% chance of requiring some form of Long-Term Health Care in your lifetime. However, this can happen at any age. According to a U.S. Senate Report, 44% of people receiving Long-Term Care are working-age adults between the ages of 18-64.

Act now to safeguard your future retirement income and assets from the financial costs and burdens of aging. LTC insurance is Easy Affordable Asset Protection. It will safeguard your 401(k), IRA, 403(b) and other assets and ease the burden extended care places on your family. Act before your retire to enjoy the most affordable options.

LTC News

LTC News provides the latest in news and views into Long-Term Care planning and health issues. The mission is provide information so people can plan appropriately for the financial costs and burdens of aging.

Administration on Aging

Visiting is another outstanding resource operated by the US Department of Health and Human Services. It offers helpful information on long-term care planning.

What Does LTC Insurance Provide?

Affordable Long-Term Care Insurance can provide tax-free benefits for quality care in all types of settings. This includes quality care in your own home adult daycare, assisted living, memory care and nursing home. While most people obtain a plan before they retire (ages 40 to 65) depending on your health you may have affordable options if you are older.

There are three types of plans.

  1. Traditional plans (including partnership plans in available states with additional asset protection and shared benefit plans with a spouse/partner).
  2. Asset-based plans known as “hybrid” options. These are life insurance or annuities with long-term care riders and death benefits. Both single premium or limited premium or annual premium options available.
  3. Limited Benefit/Short-Term plans. These short-term plans provide a more limited benefit but more relaxed underwriting and age requirements with affordable premiums.

Safeguard Your AssetsProtect Savings, IRAs, 401ks

Affordable Long-Term Care Insurance safeguards your assets and reduces the tremendous burden extended care places on loved ones. Premiums are very affordable and have many tax advantages you may qualify for. Proceeds are always tax-free, federal income tax incentives are available for some people including business owners. Plus, if you have a Health Savings Account you can use the pre-tax money in those accounts to pay for your premium. Long-Term Care Insurance is Easy and Affordable Asset Protection.