A financial plan without long term care insurance could be devastating to your financial future. Help is available and specialists are waiting.
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California Long Term Care Insurance Get Information & A Quote Today
www.CompleteLongTermCare.com
Long Term Care insurance guide and free quote from top LTCi comanies.
www.findltcins.com
Long Term Care insurance quote and Buyer's Guide with no obligation!
www.insurance-e-quote.com
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MET-LTC.com/MetLife /LongTermCare
Choose From Affordable Health Plans Compare Prices, Apply & Buy Online.
www.BlueShieldCAplans.com
New! Quality Health Coverage Insured By Aetna. Get a Quote.
www.aarphealthcare.com/aetna
Quick Access to Short-Term Health Insurance in Your State. Today!
Short-Term.MedHealthInsurance.com
A financial plan without long term care insurance could be devastating to your financial future. Help is available and specialists are waiting.
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Long-term care (LTC) insurance "wholesalers" who have been marketing LTC insurance to agents and consumers for 20 years.
www.aim-aiu.com
Information with a view towards retirement, and links to useful sites.
members.aol.com
Informational article: "Group Long Term Disability- Strategic concepts for plan sponsors" from Benefits Link.
www.benefitslink.com
Services range from light assistance to crisis management for elders living at home. Publishes articles dealing with elder care.
www.cresscare.com
Makers of the videotape "Understanding Your Options for Long Term Care." Site provides sample of questions that will be answered.
www.dakfinancial.com
Strives to deliver current and accurate information about policy costs and benefits. Website has pre-application section and quotes.
www.eldersolutions.com
Planning tools for life insurance, savings and investment, retirement, college tuition needs and extensive financial services such as mutual funds, annuities, long term care, term insurance.
www.johnhancock.com
Provides payments for medical expenses that are not covered by Medi-Care or for people who don't qualify for Medicaid, such as Home Health Care, and Adult Day Care. Only serving Southern California.
www.laltc.com
Developer of custom underwriting software. The software is compatible with Windows. Products and services are sold to the insurance industry.
www.lifeplansinc.com
Decision assistance online center. Provided by the Long Term Care Insurance National Advisory Council.
www.longtermcareinsurance.org
Provides form for on-line Long-term care quote request.
www.longtermcareplanning.com
Provider of corporate solutions for minimizing the catastrophic costs associated with long-term healthcare expenses.
www.ltcas.com
Licensed & serving most states in LTC protection; site provides resources to address concerns regarding long term care & options for protecting assets; several links address a different area of concern.
www.ltcfs.com
Independent agency in Indiana specializing in long term care insurance.
www.ltcindiana.com
Professional Long Term Care Insurance support for Agents, Brokers, Estate Planners and Financial Planners.
www.ltcins.com
General Electric's long term health care division for Illinois residents.
www.ltcinsurance-il.com
Consulting and training of long-term care providers about long-term care insurance.
www.ltcshelton.com
Provider of long-term care insurance for employees and their eligible family members. Metropolitan Life Insurance Company, NY, NY & Affiliates.
www.metlife.com(Paid)
Provides health and life insurance products that include medicare supplement, long-term care, home health care for senior citizens, and several life insurance products. Headquartered in Mission, Kansas.
www.pyramidlife.com
A national network of established, professional insurance agents and financial planners who specialize in long term care issues and insurance plans for older Americans.
www.seniorctr.com
Specializes in Senior Insurance Planning with Long Term Care Insurance, Medicare Supplements, Annuities, and Life Insurance.
www.txassurancecare.com
Holds monthly seminars on retirement investing and publishes newsletter, "Senior Finances."
www.wealthretention.com
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Guide to Long Term Care Health Insurance
Protect yourself, your business and your employees with long term care health insuranceLong term care health insurance can deplete family assets over time. This is especially true if you or your loved one needs long term care for several years. Long term care health insurance will protect and preserve your assets for your loved ones.
As a part of your estate plan, long term care health insurance will help ensure your business survives and thrives while you or your loved one needs long term care.
Quality long term health care insurance will:
- Protect personal assets in the event you or a loved one need long term care.
- Provide peace of mind knowing caregivers will follow your long term health plans.
- Prevent unauthorized persons from making health care decisions on your behalf.
- Protect business assets for you or a loved one.
Action Steps
The best contacts and resources to help you get it done
Prepare long term health plans
Long term care health insurance is the key component to a long term health plan which should also include estate planning to ensure your wishes for long term care.
I recommend:
The National Association of Geriatric Care Managers and Nurse.com provide resources for selecting long term health care insurance and developing and managing a care plan.
Select a caregiver to ensure your long term health plans are carried out as you wish
This can be a loved one, a third party guardian or someone appointed through your care manager. The caregiver carries out the plan on a daily basis and answers directly to the care manager.
I recommend:
Look to The National Family Caregiver’s Association and Elder Law Answers for important information about how to choose a quality caregiver.
Make long term care health insurance a part of your estate plan
Design your estate plan around your business, property, bank accounts, life insurance policies and any other items considered part of your estate.
I recommend:
The American Academy of Estate Planning Attorneys and the American Bar Association are great places to find an estate planning attorney in your area.
Purchase long term care health coverage long before you actually need it
Purchasing long term health coverage years in advance makes premiums more affordable and provides better coverage for less money. Do a long term care insurance comparison for the best long term health insurance rates.
I recommend:
Genworth Financial and Insurance.com offer quick and easy long term health care insurance rate quotes.
Tips & Tactics
Helpful advice for making the most of this Guide- Offer group rates for employees for long term health care coverage. This is a great way to motivate your employees to think about long term care coverage for themselves and their families.
- Do long term care comparison shopping with the help of your estate planner, insurance agent or care plan manager.
