Quality Caregivers: Long-Term Care Insurance Helps Fund Choice of Quality Care.
Most people are concerned about the quality of long-term health care for their parents - or themselves decades from now. There are quality care options available. Long-Term Care Insurance can help fund those options.
If you are like many American families who have dealt with, are dealing with, or will deal with caregivers for older parents. Finding quality caregivers and fit in your budget is always a primary concern.
You probably already know that health insurance, including Medicare and supplements, will not pay for most long-term health care services. Medicaid will pay for long-term care services, but the person must have little or no income and assets to qualify for those benefits.
Long-Term Care Insurance will pay for all levels and types of long-term care, but you must already own the policy when you need care - it cannot be purchased 'when' you need care.
Most People Want to Stay at Home
In-home care is always preferable, but quality assisted living facilities are available. The problem is long-term health care is costly, and these costs are growing dramatically due to increasing demand for care and higher labor costs.
You can see the current and future cost of long-term care services where you live by using the LTC NEWS Cost of Care Calculator - Cost of Care Calculator - Choose Your State | LTC News.
Find Care Options for Loved Ones
Need help finding care for a parent or other loved one? Take a moment and read these guides from LTC NEWS -
LTC NEWS can also assist you with complete Long-Term Care Insurance claims and develop a plan of care and find caregivers if your loved one does not have an LTC policy - Filing a Long-Term Care Insurance Claim | LTC News.
Are You Prepared?
As you get older, you probably want to ensure you have the choice of quality care options. Most people say they want to reduce the burdens that otherwise are placed on your adult children and protect your savings.
Affordable Long-Term Care Insurance offers guaranteed tax-free benefits, so you maintain control and choice without placing your family into a crisis.
LTC Insurance Keeps You in Control Giving You Choice
Access to your choice of quality care options and how to pay for that care should be on your radar screen before you retire. Affordable Long-Term Care Insurance will give you the choice of quality caregivers, either at home or in a facility.
The financial costs and burdens of aging will impact you and your family. Finding and paying for these quality caregivers at home or in a facility is essential to a future long-term care situation.
Watch this video and see why people say a long-term care policy will help – click here.
The time to plan for a successful future retirement is before you retire, ideally in your 40s or 50s. Find a qualified and experienced Long-Term Care Insurance specialist to help you find the best coverage at the best value - click here.
About the Author
An LTC News author focusing on long-term care and aging.
James Kelly
Contributor since August 21st, 2017
Editor's Note
Many people realize the necessity of having a plan for long-term health care. Nonetheless, many have not yet done so. Some people think LTC Insurance is too expensive (it's not). Others assume it can be complicated (it can). Planning before you retire is crucial.
No matter if you need care due to an illness, accident, or cognitive decline, Long-Term Care Insurance gives you access to your choice of quality care, including in-home care. You will protect your income and assets and reduce family burden.
Preparing your family and finances for the future costs and burdens of aging is an essential part of retirement planning. But Long-Term Care Insurance is more than just about money.
Long-Term Care is a Cash Flow Issue and a Family Issue
Yes, long-term health care is a significant cash flow issue. LTC Insurance addresses this problem. But, long-term care is also a family issue. Without any plan in place, the family will go into crisis mode. The result can be a disaster for you and your family, and your wishes may take a back seat.
An LTC policy keeps you in control and helps avoid becoming dependent on your children decades from now. You will have access to guaranteed tax-free benefits that will pay for your choice of quality care, either in-home or in a facility.
You can safeguard your 401K, IRA, and other assets and maintain your lifestyle once you retire. However, Long-Term Care Insurance is medically underwritten, so you must have reasonably good health to obtain coverage. Plus, premiums are calculated on your age, health, family history, and other factors.
Use Resources on LTC NEWS
LTC NEWS offers multiple tools and resources to help you research the financial costs and burdens of aging so you can find an affordable solution.
Find all the resources on LTC NEWS by clicking here.
One of the best tools is the LTC NEWS Cost of Care Calculator. You can find the current and future costs of long-term health care where you live. This information will help you design an appropriate LTC Insurance policy.
Be a Contributor for LTC NEWS
You can write for LTC NEWS. LTC NEWS offers many resources to help families address the consequences of long-term care, aging, health, caregiving, and other retirement issues. You can be part of the effort to help educate consumers throughout the U.S. and around the world.
Write a story for publication on LTC NEWS and let America hear what you have to say. Be sure your article fits the LTC NEWS target audience of adults 40-70.
Topics can include stories on:
- Aging
- Caregiving
- Health
- Long-Term Care
- Retirement Planning
There are numerous other related topics, as well. You can even promote yourself, your business, and your website or blog. It must have editorial content exclusive for LTC NEWS and cannot be just an advertisement. It can include links to other sites, and you can share the article link once published on your website or social media.
Email your story idea or article: newsroom@ltcnews.com or click here.
Advertising and Marketing Opportunities on LTC NEWS
Reach an educated audience. Readers of LTC NEWS are researching retirement issues, including aging, health, caregiving, and long-term care. Other readers seek information for a parent or other loved one who is experiencing declining health or aging issues and require extended care.
Many marketing opportunities are available, including sponsored content articles. Sponsored content offers you a long-form way to sell yourself, your company, and your ideas.
Learn more about how LTC NEWS can help you market your business - click here.
Benefits of Reverse Mortgages
Today's reverse mortgages for those aged 62 and older could be an ideal resource to fund a Long-Term Care Insurance policy OR even provide money to pay for care if you, or a loved one, already needs help and assistance.
Some people have much of their savings invested in their homes. With today's reverse mortgages, you can find ways to fund care solutions, care itself, even help with cash flow during your retirement.
Learn more by asking questions to an expert. LTC NEWS columnist and host of the TV Show "62 Who Knew" will answer your questions regarding caregiving, aging, health, retirement planning, long-term care, and reverse mortgages.
- Just "Ask Mike." - Reverse Mortgages | LTC News.
Sharing News with LTC NEWS
Include LTC NEWS in your press release distribution. If your group, organization, business, political committee, etc., have news to share, send it to LTC NEWS. Email - newsroom@ltcnews.com
Shared Links
LTC NEWS offers a 'helpful links' page so readers looking for additional information can find them easily. You can get a dofollow link to your website on LTC NEWS in exchange for a dofollow link on your site.
Let's work together and help consumers who search for us on the web - Site Request | LTC News.
You can also affordably purchase a dofollow link to your website or blog on LTC NEWS. Just contact the advertising department.
