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Do Your Homework: The First Step to Long Term Care Planning

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LTC Staff
Staff writers for LTC.com
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on Tuesday, 18 November 2014
in LTC Insurance

 

Long Term Care Planning can be complicated and time consuming. With so many options available and so many decisions to make, one of the biggest challenges is knowing where to begin. Our advice is to start planning now so you can feel comfortable about your future. Here are a few first steps to consider before you make any decisions.

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Long Term Care Insurance Prices are Rising...But it's Worth it.

Posted by LTC Staff
LTC Staff
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on Tuesday, 15 October 2013
in LTC Insurance

There is so much press right now about the rising cost of Long Term Care Insurance, so it is important to remember the reasons why Long Term Care insurance is needed in the first place. If we just focus on prices rising we'll make a big financial planning mistake.

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Should I Self-Insure for Long Term Care?

Posted by LTC Staff
LTC Staff
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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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Long Term Care and Women: An Essential Retirement Strategy

Posted by LTC Staff
LTC Staff
Staff writers for LTC.com
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on Tuesday, 03 April 2012
in LTC Insurance

Although Long Term Care insurance is rightly considered an important part of planning for everyone who dreams of an independent and dignified retirement, experts agree that Long Term Care Insurance is especially critical to women. The reasons ought not to surprise anyone who reflects upon the following.

Women are especially hard hit by Long Term Care. Seven out of ten caregivers are women. Many women often find themselves caring for children and an aging family member at the same time; a dual care giving situation that can take a toll on their emotional and physical well-being.

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