Campaign Qualified Asset Can Be Leveraged To Fund Long Term Care Insurance
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Dear Valued Client,
One of the biggest concerns that I hear from our clients is that they don’t want to outlive their retirement! Perhaps the greatest risk to your lifestyle and retirement assets is the possibility that you may need long-term care and that you may have to exhaust your retirement assets to pay for it.
Many people mistakenly believe that Medicare provides benefits for long-term care – it does not! Medicaid, the federal program for the poor – covers skilled nursing care for lower-income seniors, but it doesn’t pay for assisted living. Many middle-class seniors are forced to spend down their assets and income (virtually impoverishing themselves), in order to qualify for Medicaid.
This is why Long-Term Care Insurance is so important!
People often think of long-term care as strictly nursing home care. Long-term care services include; help with activities of daily living, home care, respite care, hospice care, or adult day care. This care maybe given in your own home, a day care facility, assisted living facility, nursing home, or in a hospice facility.
Some common questions that we are asked:
Will a family history of Alzheimer’s or Dementia affect my rate? The answer is sometimes. Some carriers consider family history more stringently than others. If you have a family history, let’s discuss which plan is right for you.
Do rates increase? The rates for traditional long-term care insurance may go up over time. The rates on a hybrid long-term care insurance policy are guaranteed to remain level.
Is there any benefit to my estate, upon death, if I don’t use the policy? For a traditional long term care insurance policy, some carriers offer a return of premium. With a hybrid long-term care insurance policy, this feature is built in.
How long will be policy pay benefits? This differs from carrier to carrier however, benefit periods are often 3 years, 4 years, 5 years, and Unlimited.
A long-term care event affects your whole family – spouse, children, extended family and friends – long-term care insurance is the gift of care for your family!
To find out more using LEVERAGING Qualified Funds for Long-Term Care expenses - click here!