LTCI Specialist

When exploring your long-term care planning options, the knee-jerk may be to hold off in the current climate, but what is forgotten is that if a long-term health event occurs in the here and now –you will be forced to sell those investments at their lowest possible value....not to mention pay the taxes.

The majority of my clients are opting to stay the course with their LTC planning (even a smaller policy than originally thinking about) knowing if anything happens, they can lean on their coverage while allowing their assets to rebuild.

Policy need to activate by the client/family. Once the daily ALS have been declining. Care after surgery are not considered long term care. Long term care is not being able to perform for 90 days or more.

Activities of Daily Living
Bathing and Grooming.
Dressing and Un******ng.
Meal Preparation and Feeding.
Functional Transfers.
Safe Restroom Use and Maintaining Continence.
Ambulation.
Memory Care and Stimulation (Alzheimer's and Dementia)

We help educate and advice people on the cost, different plans,how to active a policy, how to protect their asset and resident from the long term care cost, and myths of coverage.

People under 65 have a
39 % chance of needing long term care.

People 65 and over have a 70 % chance of needed long term care, couple have a 91% chance of needing long term care.

The chance of using you homeowner or auto insurance is under 20%.

The average time frame for long term care is 3 years. Today cost is $269,0169.

Their are different medical and short term care plans availability that can help pay for short term need that we offer also.

Average cost for long term care policy national is 100-300 per monthly.

Also there is tax deductible for long term plan premium starting at age 50.

Reach out any time for more information and a conversation.

www.ltcispecialist.com
[email protected]

Rhode Island Long Term Care Insurance - Chris Ireland Contact Chris for your Rhode Island LTC guide and consultation on long-term care and other financial planning solutions available in RI

LTCI Specialist will be hosting
a Seminar/Webinar
Thursday April 16th @ 7pm

This is the 1st of a series on long term care insurance.

Topic

What you do not know, can cost you and your family $ 259,067 today

What age is to young or old to apply for a long term care policy

Why you have a 91% chance of needed long term care

How much Medicare and/or your health insurance will pays for long term care

How to save your resources, retirement funds, and your family regarding long term care

The # 1 thing not to do, when applying for a policy

How to get the lowest rates

How to get approved for a policy

What is the cost of long term care

How to active a policy

How reduce the cost of premium for a policy

Join us via the web

www.join.me/ltcispecialist
or
Phone
(857) 444-6500,,698277298 #
* 6 to mute yourself

We are licensed Nationally.

If unable to attend and want to learn more
Email
[email protected]

Website
www.ltcispecialist.com

Whether your office is at the kitchen table or in a spare bedroom these days, we’ll continue serving you through virtual and teleconferenced meetings. Rest assured, we’ve got this. We’re doing things a little differently to protect you while still meeting your needs. How we do it might change, but our commitment to you doesn’t. Let’s talk. http://tinyurl.com/wz2kd45/

We care about your health, and the health of our employees and business partners. We are ready to serve you wherever you are, whether it is from your sofa or at your kitchen table. When you need us most, we're just a phone call or message away. http://tinyurl.com/twp3rph/

We have tools in place to protect our clients' health as we continue to do business. Meet with your financial professional virtually, and securely sign documents on your device. Despite the uncertainty of these times, our priority remains: to be here for you when you need us most. http://tinyurl.com/r8txvn8/

We recently had a case where are we could put place a policy for the wife however the husband had Parkinson’s disease and was uninsurable for a traditional long term care product.

We could placed him in a product. It will pay up to 360 days for continuous care for his including existing condition. ( Has a six month waiting period for existing conditions).

Any other other condition would be covered immediately. He was able to get immediate coverage because he had no other surgery/hospital stay scheduled in the next 90 days.

There are many different methods of paying for long-term care insurance. You can do this by increasing your retirement savings,reducing taxes and help illuminate the greatest costs that could reduce and take away your retirement nest egg. 91% of couples will need long-term care in the future.

There are many different methods of paying for long-term care insurance. You can do this by increasing your retirement savings,reducing taxes and help illuminate the greatest costs that could reduce and take away your retirement nest egg. 91% of couples will need long-term care in the future.

Click the link below to get information on why you may want to consider long-term care insurance.

http://chrisireland.acsiapartners.com/
E -mail [email protected]
www.ltcispecialist.com
https://calendly.com/ltcispecialist

If you acquired a long-term care policy years ago and recently received a notification of a rating increase.
We would will review your policy and find out is it better to maintain the policy at the new increase policy rates or are you eligible for a new long-term care policy with different benefits, lower potential premiums.

Sometimes we don't even know we'd need Long Term Care, until we'd unfortunately need Long Term Care.

[https://lifehappens.org/videos/at-the-end-comfort-familiarity/](https://lifehappens.org/videos/at-the-end-comfort-familiarity/)

At the End, Comfort & Familiarity | Life Happens Having worked as a nursing home administrator, Barbara Farone saw many families exhaust their life savings to pay for care. Wanting to avoid a similar fate, Barbara and her husband, Vince, purchased

This article highlights a key issue in the senior health space: 56% of middle-income Baby Boomers believe Medicare will pay for their LTC needs.

[https://www.forbes.com/sites/dianeomdahl/2020/01/14/does-medicare-pay-for-long-term-care-dont-make-a-big-mistake/ ](https://www.forbes.com/sites/dianeomdahl/2020/01/14/does-medicare-pay-for-long-term-care-dont-make-a-big-mistake/ )

Does Medicare Pay For Long-Term Care? Don’t Make A Big Mistake! Medicare does not pay for long-term care. So what should you do?

We work with clients of all ages and health. If you have been declined applying for long term care insurance we may be able to offer you a plan. Book a quick chat, to see how we can assist.

https://calendly.com/ltcispecialist

For the cost of a car payment you can add long term care Insurance.

We can review your options to see if you are better off with or without a long term care insurance.

Better early, than five minutes too late. The sooner you get long-term care coverage, the less it costs.

http://tinyurl.com/w2tf92l/

LTCI Segment 4 – Advantages of Buying Early | Life Happens In this video series, people share their experience of why they purchased long-term care insurance.

Long-term care allows you options... Stay in your home, if you choose, and get quality care you deserve.

http://tinyurl.com/ud7nfly/

LTCI Segment 3 – Obtaining High Quality Care | Life Happens In this video series, people share their experience of why they purchased long-term care insurance.

Your future will happen, whether you plan for it or not. Don't pay more later for not planning ahead.

http://tinyurl.com/rpmzajl/

Real life long care story........:...

Want more info reach out to us.....

We are Long Term Care Insurance Specialist.

For additional information or the setup an consultation.

E -mail [email protected]
www.ltcispecialist.com

https://m.youtube.com/watch?v=J_aYzO-4ojg

realLIFEstories | Long-Term Care Insurance | Theresa Mollicone - A Burden Relieved Months after his 65th birthday, Joe Mollicone suffered a stroke that left him partially paralyzed and unable to speak. Joe's insurance starting paying and wa...

Talking to a financial professional today about long-term care may help you avoid sticker shock later.

http://tinyurl.com/qmtqzrq/

Long-term care: So, how can you afford it? The cost of long-term care services depends on many factors. Avoid sticker shock with the cost comparison map and funding options overview at longtermcare.gov

Peace of mind and control… Long-term care coverage ensures access to first-rate care and independence.

http://tinyurl.com/v4y2pj4/

Who Needs It? | Life Happens In this video series, people share their experience of how life, disability or long-term care insurance made a difference when they needed it most.

How will you afford quality long-term care at home, in an assisted living facility or nursing home?

http://tinyurl.com/rqbjh99/

Understanding Asset-Based Long-Term Care One day you or your spouse may need long-term care services and asset-based long-term care could help.