Consumer Planning Blog

LTCI Partners

Recent Posts

What are the 4 biggest myths about Long-Term Care?

More and more baby boomers are becoming familiar with long-term care as they help take care of aging parents. However, there continue to be a lack of understanding about how much long-term care costs and who pays for it! Here's the facts - with an aging population, a shrinking workforce, and reduced government money for programs that help with care it will be an issue that impacts everyone. Take a look at these four myths of care:
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New! Updated Guide to planning for long-term care

How much does long-term care costs?  Where is it being provided today?  What are the chances I might need it in the future?  What are options in paying for care?  These are some of the most commonly asked questions about planning for long-term care.  Here's a slideshow that answers some of these questions - and more.
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How a labor shortage may impact American's ability to get quality long-term care

  According to the latest unemployment numbers,  the U.S. unemployment is at a low rate of 4.1% and many companies are having a hard time finding workers. This good news for job seekers may have some scary implications for people needing help with care in the future. Much of the labor shortage is for highly skilled workers in fields such as technology and advanced manufacturing. However, the labor shortage also affects so-called "lower skilled" work such as trucking and retail. In fact, many people are worried that this is a long-term trend that could impact future growth opportunities in this country.
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When Nursing Homes Push Out Our Poor and Disabled Patients

  Note:  This is a republished article from Kaiser Health News describing the financial challenges facing Long-term care in America Jocelyn Wiener, Kaiser Health News Anita Willis says the social worker offered her a painful choice: She could either leave the San Jose, Calif., nursing home where she’d spent a month recovering from a stroke — or come up with $336 a day to stay on. She had until midnight to decide.
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LTC 101 - The Basics of LTC Insurance

For someone looking at planning for care, they often become confused about how LTC Insurance works.  The non-profit LIFE foundation, ( have created a simple video and guide to LTC Insurance. Check out the video and the link to the guide below.
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Planning ahead for the future you want

When you sit down and imagine your future, what do you see? Are you enjoying your retirement in a warm weather location or perhaps in your current home close to family and friends? Are you participating in the activities you’ve always enjoyed?
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Protecting your assets with long-term care insurance

Being faced with an unexpected health crisis that requires long-term care can take your financial situation by surprise. Hear the stories of several individuals and couples on their decision to purchase long-term care insurance—to not only provide them with peace of mind about potential health needs, but also to protect their current assets for the future of their family.
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What’s mine is yours – expanding long-term care coverage with shared benefits

Are you familiar with the saying “What's mine is yours, and what is yours is mine”? This saying is actually a line from Shakespeare’s play “Measure for Measure,” and is often related to the mutual sharing of assets between a married couple – sharing a home, experiences and more. This phrase can also be applied to your long-term care insurance policy.
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Inflation protection – what is it and do I need it?

As you dive into the world of long-term care insurance and research the best available options for yourself or a loved one, don’t be surprised if you find yourself becoming well versed in the activities of daily living (or “ADLs”), daily benefit amounts and maximum lifetime benefits, among others. It’s important to do your homework – great job! In the midst of all of your research and LTC planning, one other term you will likely encounter is inflation protection. With everything else you are researching, don’t let this one get lost in the shuffle. It may be one of the most important.
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