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Work with a Specialist
Always understand who you are working with. There are differences between a financial adviser, insurance agent, and a Certified Long-Term Care Insurance Specialist.
LTC News — FAQ: Financial Advisor or Insurance Specialist?
What is a Trusted Specialist?
- Has substantial experience in Long-Term Care Insurance
- A strong understanding of underwriting, policy design, and claims experience
- Represents all or most of all the leading insurance companies
Consider the Following
When planning for retirement and long-term care expenses, consider these items
Finances
You should generally have at least $75,000 in savings and investments outside of your home. If you have more than $3,000,000 you should consider unlimited total asset protection policies.
Age
The best time to plan is when you are in your 40s or 50s. If you are over age 70 your options may be more limited. Those over 80 have very few, if any, options available.
Health
Underwriting criteria differ with every company. You ideally want to obtain coverage when you enjoy good health. A specialist can help determine your eligibility based on your health history.
Family
Being a caregiver is very difficult and can adversely impact your children's families, careers and health. A Long-Term Care policy ensures access to quality care without burdening loved ones.
Spouses & Partners
Many policies offer spousal discounts and shared benefits. This provides additional savings and flexibility that should be discussed with your specialist.
Asset Protection
45 states offer special Partnership Long-Term Care Insurance policies which provide additional dollar-for-dollar asset protection, even if you exhaust all policy benefits.
Facts on Long-Term Care
Important facts about Long-Term Care Insurance you should know
You decide the total amount of coverage. Even a small policy can reduce the stress and burden on your family.
Especially under age 65. Premiums vary over 100% between companies — a specialist shops all major carriers for you.
Most states have rate stabilization rules. Some companies offer single pay or limited pay options that lock in your rate.
Most policies pay for all levels of long-term care including care in your own home.
Benefits are tax-free. You may qualify for deductions or credits. HSA funds can pay your premium.
Cannot be canceled unless you stop paying. Benefits available anywhere in the US and US territories.