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Investing in Long Term Care Insurance (LTCI) is a smart way to protect your assets and your family from the potential high cost of experiencing a long term care event. When it comes time to submitting a claim, you will want it to be seamless to help

Many baby boomers are now responsible for managing care for an aging parent during the COVID-19 pandemic. While you adjust your own personal life and navigate through this challenging time, there is also a lot to consider when consulting an elderly parent. Often times, they may face

With many clients re-evaluating asset and investment strategies due to unforeseen challenges in 2020, financial planning is now top of mind. Moreover, financial planning for Long Term Care should be considered an essential part of a retirement portfolio.  According to the US Department of Health & Human

Long Term Care Insurance (LTCI) and a Continuing Care Retirement Community (CCRC) both appeal to the same type of people: people who want to plan for their future and don’t want to leave things to chance. LTCI and CCRCs address the likely future need for long term

Before you can begin collecting benefits under your long term care insurance policy, you must meet your LTCI elimination period, or waiting period. However, because you’re in need of assistance, you’ll need some long term care in the interim—and you’ll need to pay for it out-of-pocket. The

While many believe Medicare covers long term care expenses, the reality is, Medicare does not. Medicare offers limited, short-term skilled nursing care coverage. Furthermore, in order to qualify, you must meet specific hospitalization requirements. Many Medicare beneficiaries are hazy on the subject of hospital observation vs. admission

When it comes to Long Term Care Insurance, one question we are often asked is “at what age is it best to apply for LTCI?” Many clients wonder if they’re “too young” or “too old” to obtain coverage and there are two schools of thought on this.

Because of the nature of long term care insurance (LTCI), decades may pass between the time a client’s LTCI policy is issued and the time he or she files a claim. However, once LTCI benefits are needed, chances are, they’re needed ASAP. Unfortunately, filing a LTCI claim