Long Term Care Insurance Solutions

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Founded in 1996, LTC Solutions, Inc. is a national group long-term care insurance brokerage firm headquartered in Washington state. LTC Solutions, Inc. has a …
Karp Loshak Long Term Care Insurance Solutions is transforming the long term care planning experience for consumers and their trusted advisors.
Long Term Care Insurance
LTCI Partners is a national brokerage firm specializing in long-term care (LTC) insurance solutions.
Long-Term Care – PRS Insurance Solutions
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What is Long-Term Care Insurance (LTCi)? Long-Term Care Insurance is an additional form of Health Insurance that provides the finances necessary to provide …
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Long-Term Care Insurance | Private Client Resources | NFP
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Six Long Term Care Insurance Companies Report Sales Growth …
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Should one have a long term care need, being prepared may help with a lot of … of a long term care event, Long Term Care insurance may be a solution that you …
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Long term care services are generally not covered under personal health insurance or Medicare because they are not intended to cure, improve or treat a …
Life, Disability and Long-Term Care Insurance Solutions | Stonebridge …
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Long Term Care | Capitas Financial Inc.
Capitas Long Term Care (LTC) can assist financial advisors and their clients with the implementation of long term care insurance planning and product solutions …

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Long-Term Care Insurance from Hosket Ulen Insurance Solutions can protect your family’s financial future by providing valuable coverage benefits for costs …
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Addressing the potential threat of long-term care expenses may be one of the biggest financial challenges for individuals who are developing a retirement …
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Source: U.S. Department of Health and Human Services, 2015. Long-term care insurance is one of the most complex types of insurance you may consider …
LTC Insurance Companies – Long Term Solutions
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LTS supports long term care insurance companies by offering their clients long term care assessment, care coordination, and elder care support services.
Long Term Care Insurance – Secure Insurance Solutions
Get your free Ontario Long Term Care Insurance quote from Secure Insurance Solutions. For great coverage at competitive rates, visit us online or call …
Long Term Care | The Ruffin Group Insurance Solutions
Helping you plan ahead Long-term Care Insurance.
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Home > Insurance Solutions > Personal Insurance > Long Term Care Insurance … According to the American Association for Long-Term Care Insurance, out of …
Home | KMG Insurance Solutions | LONG TERM CARE
Most LTC insurance policies will cover only a specific dollar amount for each day you spend in a nursing facility or for each home-care visit. Thus, when …
Long Term Care Insurance Services (LTC) in your area
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Long Term Care Strategies | LTC Insurance | IQ Wealth Management
Long Term Care Strategies and LTC Insurance can be a complicated situation. Take the headache out and get a long-term strategy with IQ Wealth Management …
[PDF]Long-Term Care Insurance Solutions – ICMA-RC
ICMA-RC wants to help ensure that you are prepared to handle any retirement expenses you might face. One of the expenses that should be considered is …
Long Term Care Insurance – Schneider & Shulman Associates
Long term care insurance specialists. We help explain LTC insurance and develop custom solutions for you. Contact us at 516-870-0800 for a free quote.
Long-Term Care Insurance – The Accel Group
Home · Personal Solutions · Wealth Management; Long-Term Care Insurance. Long-Term Care Insurance. A A; Print this page; Share this. Comparing …
Long-Term Care Insurance – SecurePlan Insurance Solutions
Nov 3, 2017 – When building your retirement income plan, you should not overlook your future health care needs. Long-Term Care Insurance can help you …
Long Term Care – AAFP Insurance Program
Long-term care insurance is important coverage that helps pay for the care … We’ve partnered with the industry’s leading Long-Term Care Solutions Specialists.
Long Term Care – Alta Vista Insurance Solutions
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Long-Term Care Insurance – Universal Insurance Solutions
Universal Insurance Solutions helps you find the long-term care insurance plan that provides you with the coverage you won’t get from medical insurance.
Long Term Care – Innovative Insurance Solutions
Steve Purdy, Cert. Long Term Care (CLTC) | Licensed insurance broker, 20+ years | Personal, Business Insurance | Va. | Free consult.
Newman Long Term Care Insurance Solutions
Newman Long Term Care has focused exclusively on long term care planning solutions since 1990. We have helped 25000 families plan for the consequences …

Long Term Care Insurance Agents El Paso TX | Elder Options of Texas
… cost of long-term care. Get a free LTC insurance quote today from companies serving El Paso, Texas. … Hesed Insurance Solutions. 2000 E. Lamar Blvd., Ste …
Insurance Hybrids are Attractive, But… | Gurley LTCI
Insurance hybrids are attractive but are they the best long-term care solution? Sometimes yes. Sometimes no. They potentially satisfy a number of needs – death …
Long-Term Care Insurance – FTB Advisors
Long-Term Care Insurance from FTB Advisors is the smart way to manage … Solution-oriented insight to build your business from First Tennessee Bank.
Experts In Long Term Care Insurance & Risk Management Coverage …
Bolton specializes in long-term care, from assisted living to skilled nursing and … care insurance and risk management coverage and can offer other solutions …
Long Term Care Insurance – Green Mountain Insurance Solutions, Inc
48% of today’s workers are not confident in their ability to pay for long term care in retirement. (Retirement Confidence Survey, Employee Benefit Research …
Long Term Care and Disability Insurance Solutions | TIG
Learn more about your long term care and disability insurance options with Thomas Insurance Group in Cape Girardeau, MO. Let these insurance plans go to …
Investor Connection – Long Term Care
In simple terms, Long-term Care Insurance helps provide the dollars to pay for care that you would otherwise have to pay for yourself. Depending on the level of …
Group Long-Term Care (LTC) Insurance – Integrated Insurance Solutions
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Rating: 5 – ‎Review by Installation L.
Did you know over 40% of people receiving long-term care services are under the age of 65? This is one of the reasons why long-term care insurance has …
Long Term Care – Spartan Insurance Solutions
Long term car insurance quotes in Poland Ohio. Life, health and long term car insurance needs.
Long-Term Care – Member Insurance Solutions
Providing financial assistance to help with the staggering cost of long-term care is the goal of long-term care insurance. Member Insurance Solutions offers a …

Private Long-Term Care Insurance: Not the Solution to the High Cost …
by LA Frolik – ‎2016 – ‎Cited by 5 – ‎Related articles
Mar 11, 2016 – Long-term care can be extremely expensive. As older Americans plan for financing care for their golden years, one option is to purchase a …
Long-Term Care Insurance | Safe Money Solutions
The importance of long-term-care insurance is deeply personal for our team. We have seen firsthand how healthcare costs can eat away at a life’s savings, and …
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Long-term care coverage | Trustmark Voluntary Benefits
Trustmark bundles long-term care benefits with life insurance to help families … care solutions as a part of the living benefits on our Universal Life insurance …
Long-Term Care Insurance – Advanced Benefit Solutions
Long-Term Care Insurance from Advanced Benefit Solutions can protect your family’s financial future by providing valuable coverage benefits for costs …
Long-Term Care Insurance – Insurance People of North Carolina
Long-term care insurance in Durham and throughout North Carolina as well as many … and present you with the appropriate long-term care insurance solution.
KSO Insurance Solutions – Long Term Care
Karen Sweet-O’Neill, owner of KSO Insurance Solutions, has been a Life and Health Insurance Advisor for over 20 years and is Certified in Long Term Care.
3 Little-Known Alternatives To Long-Term Care Insurance – Forbes
Mar 22, 2016 – it’s important to make sure that you have a good understanding of how traditional long-term care insurance works so you can get a good …
Long-Term Care Insurance – Visalia CA & Bakersfield CA – Navo …
Long-Term Care Insurance from Navo Financial Inc. Insurance and Financial Solutions can protect your family’s financial future by providing valuable coverage …
What to Look for in a Long-Term Care Policy | Global Insurance …
Source: U.S. Department of Health and Human Services, 2015. Long-term care insurance is one of the most complex types of insurance you may consider …
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Here read our article about Long Term Care Insurance Solutions. The Long Term Care Insurance is rare care, but find here some solution for PAY FOR LONG-TERM CARE, QUESTIONS TO ASK YOUR INSURANCE AGENT.



When I suddenly had to become a fulltime caregiver to my elderly parents, both with health problems and starting to develop dementia (namely Alzheimer’s), I had never even heard of Long-Term Care Insurance. After we burned through their life savings, and then started chipping away at mine, I was advised to apply for financial assistance for them through the government’s Medicaid system~ a program for those at the poverty level. It was quite a long process with mounds of paperwork and numerous investigations, but finally my parents were approved.

I was so happy that monetary help would finally be on the way, until I discovered that the financial assistance would only pay to put my parents in a nursing home, not even in Assisted Living, and with very little help to keep them in their own home.

Since their levels of care were so different (my mother needed most things done for her), there weren’t any facilities that would allow them to be together. They’d be across the street from each other in different wings of the home. After fifty-five years of marriage, my parents were adamant about wanting to be together in their own home, in their own bed, where they could continue to cuddle and kiss~ as they so frequently did. And, since my father was so “difficult” with a terrible temper and quite a long record of manipulative disruptive behaviors, the homes didn’t want to deal with him anyway.

It was challenging, but I committed to keeping my parents in their own home and attending Adult Day Health Care five days a week. Then, with the help of two marvelous caregivers, after four more years of loving each other~ they passed, just a few months apart. Even though caring for every aspect of my parents’ last years was the hardest thing I have ever done~ I am proud to say I gave them the best end-of-life I possibly could.

Had I only known to insist that we buy Long-Term Care Insurance for them prior to their illnesses~ their years of in-home care could have been paid for, and I could have saved myself so much heartache, not to mention a small fortune. I encourage you to learn from my mistake and look into LTC insurance long before you need it~ for your loved ones as well as yourself. Like fire insurance, hopefully, you’ll never have to use it.

Also, call your local Area Agency on Aging, or Department of Aging, and ask if there are any financial programs, waivers or grants available in your area that you can apply for.


**An estimated 4.5 to 5 million Americans have Alzheimer’s disease. In a Gallup poll, 1 in 10 Americans said that they had a family member with Alzheimer’s, and 1 in 3 knew someone with the disease.

**Increasing age is the greatest risk factor for Alzheimer’s. One in 10 individuals over 65 and nearly half over 85 are affected. Rare, inherited forms of Alzheimer’s can even strike individuals in their 30’s and 40’s.

**A person with Alzheimer’s disease will live an average of eight years and as many as 20 years or more from the first onset of symptoms.

**More than 7 out of 10 people with Alzheimer’s disease live at home, where family and friends provide 80 percent of their care. The estimated value of this informal care is $257 billion annually.

**One half of the U.S. population has a chronic condition. More than one quarter (26.6%) of the adult population provide care for a chronically ill, disabled or aged family member or friend, which translates to more than 50 million people.

**37% of caregivers are living in the same household as the person they care for. 54% are between 35 and 64 years of age. 59% of the adult population either is or expects to be a family caregiver, and 2 million more caregivers will be needed in the next twenty years.

**An estimated 43% of Americans age 65 or older will spend time in a nursing home. By 2012, 75% of Americans over age 65 will require long-term care. Long-term care costs are rising at 6% annually.

**The annual cost of Alzheimer’s care in the U.S. is at least $100 billion, and will soar to at least $375 billion by mid-century, overwhelming our health care system and bankrupting Medicare and Medicaid.

**Alzheimer’s disease costs American business $61 billion a year, which is equivalent to the net profits of the top 10 Fortune 500 companies. $24.6 billion covers Alzheimer health care, and $36.5 billion covers costs related to caregivers of individuals with Alzheimer’s, including lost productivity, absenteeism and worker replacement.


1. Pay for in-home caregivers and assisted living/nursing homes out of pocket. This is expensive and can often deplete a family’s life savings.

2. Meet a very specific poverty level and qualify for government assistance through the Medicaid program. Unfortunately, options are limited, only paying for nursing homes that accept Medicaid.

3. Buy a Comprehensive Long-Term Care Insurance policy. This protects your family’s assets from the rising costs of caring for someone who needs full time care. An employer might pay the tax-deductible premiums. Consider buying it at a younger age, when more affordable and accessible. It must be bought before a major illness strikes. Medicare and regular health insurance does not pay for long-term care. The average cost for a person who needs long-term care is $40-$70,000 annually, depending on where you live, plus the cost to the family caregiver who may have to leave their job.


~ Is the coverage comprehensive, meaning it includes all levels of care: in the home, assisted living, board & care, and nursing/dementia facilities?

~ What is the daily benefit?

~ Is there 5% annually compounded inflation protection?

~ What is the elimination period?

~ Is it a lifetime benefit period or a limited time benefit policy?

~ Is there a spousal discount?

~ Can you hire caregivers privately as well as from an agency?

~ Is the home care benefit based on a daily, weekly or monthly maximum, and if the benefit is not used, can it be used in the future?

~ Does it cover home care coordination of services?

~ How many ADL’s (Activities of Daily Living) does it take to trigger a claim?

~ Is there a time limit for filing a claim?

~ Does it cover the cost of Adult Day Care & Adult Day Health Care, hospice and respite programs?

~ Is it a tax-qualified plan?

~ Is the company highly rated and have they ever raised premiums?

~ Can you see the company’s published annual audit to check their track record for paying claims?



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