The Complete Cardinal Guide




Long-Term Care.

Long-Term Care Insurance 

■  For information on your personal long-term care insurance options, fill out the form below.

■ Americans on average are living longer lives. In case this ends up being true for you, you could become frail, memory impaired, and end up needing care. The financial consequences of that care can be devastating to families paying out of pocket.

 Long-term care doesn’t mean you’ll end up in a nursing home. In fact, most of our clients prefer and opt into alternate options; this includes home health care, assisted living, and adult day care. Progressively more people are cared for at home with paid assistance coming in to help.

■ Financial strategies for financing long-term care include short-term care insurance, traditional long-term care insurance, hybrid long-term care insurance, and/or a financial plan for self-insurance. These solutions can be mixed and matched to come up with your personal plan.

Related Blogs.

Using Life Insurance to pay for Long Term Care Insurance

No one wants to pay for something and possibly never use it. Hybrid long term care insurance gives consumers a way to insure themselves against long term care costs as well as leave their family a benefit if they don’t end up needing care.  Simply put, a hybrid policy...

What’s the best age to buy long term care insurance?

Too often, clients only seek long term care insurance once it is too late. The cost for the care they want, usually home health care, becomes prohibitive at this late stage. For most people, long term care insurance is an option worth considering earlier rather than...

Does Medicare Cover Home Health Care?

Health care in retirement starts with Medicare, but Medicare is not where it ends. The fact is Medicare will only pay for a very specific and limited amount of home health care benefits. We will go over what Medicare will cover, what they won’t, and other options you...

Affordable Long Term Care Insurance (even with pre-existing conditions)

Traditional long term care insurance can be expensive, and while not without reason, we understand it is just not realistic for a lot of people’s budgets.   One alternative to traditional long term care insurance is short term care insurance, which allows you to...

Types of Long Term Care Settings (& insurance options to cover them)

Long term care refers to a broad range of services delivering assistance to individuals who cannot live independently. It does not just mean nursing home.  When making a long term care plan, it is important to not only look at the costs of services, but what is going...

Why Plan for Home Health Care?

When we talk to clients about long term care, the majority tell us they want to stay in their home, a trend that is happening all across the United States. With home health care becoming the dominant preference, we want to go over what home health care means and how...

Long-Term Care Insurance continued.

 Consider a Partnership long-term care policy, which allows you to go on Medicaid while protecting some of your assets.

 Medicaid is a last resort to pay for your care.

 Get professional help from an independent insurance agent and a financial professional who specializes in eldercare and long-term care.

 If you are relatively affluent, there can be tax advantages in planning for long-term care.

Cardinal Lessons with Hans.

Useful Documents.

A Shopper’s Guide to Long-Term Care Insurance, published by the NAIC, helps people understand LTC and the insurance policies available.

Read the Long-term care chapter from “The Complete Cardinal Guide to Planning for and Living in Retirement”!

Read the Long-Term Care chapter of “The Complete Cardinal Guide to Planning for and Living in Retirement” Workbook!

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