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January 8th, 2022
Aging is an issue that impacts every American family. With longevity comes a decline in our health, body, and mind. Professional long-term health care is costly and gets more expensive every year. Family caregivers face physical and emotional pressure. LTC Insurance can be the solution.
July 10th, 2023
Access to quality long-term health care enhances the quality of life for older individuals, providing the necessary support and services to maintain independence and well-being. LTC Insurance will help you enjoy a higher standard of living and peace of mind in your later years.
Exempt assets are those that Medicaid does not consider when determining your eligibility for Medicaid long-term care benefits.
March 16th, 2025
Long-Term Care Insurance Partnership policies provide residents with dollar-for-dollar asset protection. This type of LTC policy will safeguard your savings and enhance your retirement plan.
July 27th, 2023
About 20% of Florida's population is age 65 or older. More than one in four Floridians will be part of this age group by 2030. Many people are moving here, including many retirees. Luckily, Florida participates in the Long-Term Care Partnership program.
This is a rider on a Long-Term Care Insurance policy that says if you stop paying the premium on a policy (lapse), it will provide a residual benefit to the policyholder.
A pool of money is the total amount of benefits available within a Long-Term Care Insurance policy. This amount can change with inflation benefits.
One of the Activities of Daily Living used to trigger benefits under a Long-Term Care policy. This is generally defined as getting to and from the toilet, getting on and off the toilet, and performing associated personal hygiene activities.
This is a rider which can be purchased by a couple. If both spouses who own a Long-Term Care policy upon the death of one spouse, convert the policy of the surviving spouse to paid-up status. That is, the surviving spouse needs to pay no further premiums. This usually requires a higher premium for this option.
The Act, in part, specifies requirements that a Long-Term Care Insurance policy must meet in order that premiums paid may be deducted as medical expenses, and benefits paid not to be considered taxable income.
September 2nd, 2023
As America gets older we are becoming more dependent on family to be our caregivers who are often untrained and unprepared. For many American families affordable LTC Insurance is a solution to access quality care and reduce family stress.
This provides additional services in a Long-Term Care policy for a person to provide laundry, housekeeping, transportation, and shopping assistance when provided in conjunction with other home care services.