919-535-8261

The Complete Cardinal Guide

TO PLANNING FOR AND LIVING IN

RETIREMENT

THE CARDINAL GUIDE TO:
Long-Term Care Insurance 

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

■ You might live a long life, and if you do, you might become frail or memory impaired and end up needing care. The financial consequences of that care can be devastating to your family.

 Long-term care doesn’t have to mean a nursing home. It includes home health care, assisted living, and adult day care. More and more, clients are cared for at home with paid assistance coming in to help.

■ Financial strategies 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.

 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.

Does Medicare Pay for Long-Term Care?

“Medicare does not pay for long-term care, so you may want to consider options for private insurance.”  This is stated on every person's Social Security Earnings Report (as seen in the photo), yet many people still have not planned how they...

How Do I Pay for Long-Term Care?

Seventy percent of Americans that are 65 or older are expected to need long-term care services at some point in their life, according to the U.S. Department of Health and Human Services. Unfortunately, when people need care, they are not...

What is Long-Term Care?

Long-term care has evolved a lot over the course of the last few decades in the United States, but it is still a mystery to many. On a basic level, long-term care is a variety of services that help  people live as safely and independently as...

Over the holidays, talk to your parents about long-term care

With the holidays and families getting together, it is a great time to introduce some untouchable and difficult subjects, one of these being long-term care. It is a hard topic to bring up, but coming up with answers and a plan can bring a wave of relief to everyone...

New Flavor of Long Term Care Insurance Very Popular

The Pension Protection Act of 2007 paved the way for insurance companies to create life insurance and annuity policies that pay benefits for long-term care if they are needed. Just like traditional long-term insurance, these policies pay benefits for in-home care,...

Veterans Aid & Attendance: What It Is & How to Get It

You might have heard of Veterans Aid & Attendance--it is a benefit given to veterans and spouses of veterans that ultimately helps pay for long-term care services. My mother qualified and we were so thankful to have this money coming in when she needed it the most....

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!

Contact Us.

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