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The Complete Cardinal Guide

TO PLANNING FOR AND LIVING IN

RETIREMENT

WE HELP YOU EMBRACE THE 7 WORRIES 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.

What is the Long-Term Care Partnership Program?

Getting long-term care insurance can be time consuming, stressful, and expensive; it is important to get the most out of the policy you end up choosing. If you go with a Traditional Long-Term Care insurance policy, one perk you have access to...

Can I get Long-Term Care Insurance with Pre-Existing Conditions?

Absolutely yes, you can get coverage for long-term care if you have pre-existing conditions. It is a misconception that you can't get coverage if you are not 100% healthy. While not having any conditions might get you a better rate, it is not impossible to...

Does Medicaid pay for Long-Term Care?

The short answer to this questions is yes, Medicaid will pay for long-term care services. Medicaid covered at least 6 in 10 people in nursing homes in 2014. While they will pay for it, it is not the best option for everyone, and everyone will not qualify,...

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...

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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Cardinal Guide

Durham Office

2530 Meridian Parkway,
Suite 100
Durham, NC 27713

Charlotte Office

5309 Monroe Road,
Charlotte, NC, 28205

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Suite 100
Greensboro, NC 27409

Contact
Hans@cardinalguide.com
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919-535-8261

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