Preparing For Tomorrow podcast

I wanted to title this episode "Stable & Controlled" because that's what LTC health underwriters look for in every applicant's medical history. Today, I share several things not to do until after you've applied and been approved for some form of LTC insurance. We don't need to be in perfect health, but we need to be aw

I was introduced to a couple ages 79 and 72 who thought it might be too late to plan for LTC protection. Thankfully, companies that offer LTC coverage continue to create new ways to plan and help older Americans protect their loved ones when an extended care need shows up. If you think you may have waited too long, you

This week, we answer two questions by sharing some history of the long term care industry. 1) Do I have to go to a nursing home to receive my benefits? 2) Can I use my LTC policy to pay my family? Listen and learn how the LTC industry has evolved over the last 51 years to accomodate needs and desires of our aging popul

Would you rather pay $145,000 or $245,000 in total premiums to have $1,300,000 in long term care benefits at age 85? When we pay our premiums over a shorter number of years, we almost always pay less than if we pay a smaller rate for the rest of our lives. It's important to understand the big picture of both physical a

Many believe that Medicare pays for long term care needs.   Many also confuse Medicare and Medicaid. Listen and learn how both of these government programs work and why we need to understand why it's important to plan for ourselves and maintain control over where we live and who is helping us when we are unable to care

This is always the question.  We all want to wait as long as we can before paying for something we don't want to own to protect our family from something that we don't want to happen.   Let me tell you - if that something is going to happen, it will whether we plan or not. Don't end up where the state Medicaid system "