I get so many calls from families trying to find caregiving support answers for their older parent or relative.

They've reached a point where they are overwhelmed and need help providing for their loved one.

This is not the time to look for insurance.

The choices are limited and have higher costs because at age 75 or 80, we're close to or at the age when the insurance companies think we'll open a claim.

That parent should have considered LTC funding options at 50 or 55.

But 50 and 55 year olds too often believe we'll be in the same health mentally and physically at 75 or 80, and that's usually not the case.

We need to plan for this WAY before that need shows up.

Parents who waited too long must encourage their kids to plan now so this doesn't turn into a never ending cycle of kids spending all of their time and money providing for parents and then not being able to provide for themselves later, depending on their kids' time and money, etc.

I promised links to learn more about Medicaid.

This link shows what each state let's us keep to be financially eligible for Medicaid benefits: What your state let's you keep

This link shares how each state qualifies an individual for Medicad benefits: Elder Law Answers

Schedule with me here to start working on your plan to protect your family, assets and choices and avoid being told where to live by the state.

Many people inquire about LTC insurance and unfortunately get incorrect or incomplete information.

This is why it's important to work with a LTC Planning Specialist, like me, who studies this continually.

Years ago, there were a lot more companies offering LTC insurance, but all the plans looked and worked very similarly.

Today, there are less companies offering this insurance, but these companies are each offering more unique ways to design and fund plans to meet more needs.

Listen to these podcast episodes and arm yourself with the questions you need to ask when designing your plan.

You deserve to understand why an advisor or insurance agent is or is not offering you a plan to protect your family, assets and choices.

Reach out to me to schedule time to learn more and start to design your plan here

Ask me a question by scheduling here

Providing care for a very sick, injured or elderly family member is hard! Especially without help.

There are currently over 50 million family caregivers sacrificing their time, family, health and future to provide that care.

LTC insurance is not designed to replace you; it's there to help you be able to help without hurting yourself or getting overwhelmed from doing it alone.

Who is going to pay for those 7.8 million licensed care providers as the Baby Boomer generation reaches 80 this year and continues to age?

It's either us, our family, or the government.

Part of "us" is LTC insurance - so we won't force our famly members to exhaust themselves.

You can view current (2024) and estimate future cost of care where you live here

I recommend you use 5% COLA and not the 3% that defaults when you open the page.

I said I would add a link to the site that discusses LTC reform and how Medicaid impacts the entire industry, but the link is not active today. I have LTC Bullets emailed to me weekly. Hopefully, it's up and running again soon. The link is here for when it is online again

Schedule a meeting with me here