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Simplifying the process of understanding Long Term Care, and helping you decide if Long Term Care insurance is right for you.

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What are the Odds of Needing Long Term Care?

Posted by LTC Staff
LTC Staff
Staff writers for LTC.com
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on Friday, 15 May 2015
in LTC Insurance

Due to scientific and medical advances, people are living longer than ever before. There are now more people over the age of 100 than any other time in history.

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Home Care: An Essential Benefit of Long Term Care Insurance

Posted by LTC Staff
LTC Staff
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on Tuesday, 03 March 2015
in LTC Insurance

 

Many people assume Long Term Care insurance is meant to cover nursing home care only. This was true of the very first Long Term Care policies, but today’s policies have evolved to offer more options to policy holders, including Home Care. A good Long Term Care policy can actually allow you to stay in your home longer.

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How can I convince my aging parents to consider Long Term Care insurance?

Posted by LTC Staff
LTC Staff
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on Monday, 26 January 2015
in LTC Insurance

Discussing Long Term Care is difficult for both adult children and their parents. Waiting until a parent is ill or becomes frail due to an accident causes even more stress, so it’s important to begin the conversation early.

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How Can I Find the Best Community for My Loved One?

Posted by Carole Larkin
Carole Larkin
Carole Larkin MAG, CMC,CAEd, QDCS, EICS is a geriatric care manager who specializes in helping families with A...
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on Thursday, 12 July 2012
in Care Giving

 

The absolute worst time to have to pick a live in community for someone you love is when you have no choice. In theory, a family should have time to look over the various types of residences and communities, ask questions, and gather information before making a decision. Then, make a well thought out decision based on needs, and all the evidence and information that has been gathered. This allows for calm, well thought out decision.

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What to do When Alzheimer's Strikes

Posted by Carole Larkin
Carole Larkin
Carole Larkin MAG, CMC,CAEd, QDCS, EICS is a geriatric care manager who specializes in helping families with A...
User is currently offline
on Thursday, 31 May 2012
in Care Giving

When Alzheimer's strikes most families don't know where to look for help, or what to do.....

Yesterday I posted How Would You Answer This Question?

Following a thorough physical and neurological examination, our mother was diagnosed as being in the early stages of Alzheimer's disease. My siblings and I are starting to talk about future care and what actions we should be taking to keep her safe. Unfortunately we are clueless and don't even know where to start. Our father died very suddenly years ago, so we never dealt with any care plan issues with him. Can you give us some direction?

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Should I Self-Insure for Long Term Care?

Posted by LTC Staff
LTC Staff
Staff writers for LTC.com
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on Wednesday, 04 April 2012
in LTC Insurance

Should you consider self-insuring for Long Term Care?

It’s a prudent and logical question for upper-middle and high income individuals to consider as they ponder purchasing Long Term Care insurance as part of their retirement plan. Having helped many such individuals plan for their future long term care needs, I’ve come to the conclusion that many, who think they have adequate capacity to pay for extended care giving services out-of-pocket, haven’t done the math as thoroughly as they should.

When counseling clients, some will say, “I think we have enough in our retirement savings to handle any long term care needs that might arise.” They may be right. With a few follow-up questions, I learn that they might have anywhere between $500,000 and several million dollars in retirement savings and investments. By providing additional information, I’m usually able to encourage a more realistic look at how far their retirement nest egg will last should they need extended long term care. Here are the key cost considerations that are often overlooked.

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