Would you rather pay $145,000 or $245,000 in total premiums to have $1,300,000 in long term care benefits at age 85? When we pay our premiums over a shorter number of years, we almost always pay less than if we pay a smaller rate for the rest of our lives. It's important to understand the big picture of both physical and financial health when designing a plan. If I don't ask questions, I won't know if there is a way to pay $100,000 less for the same benefits. Estimate recurring LTC premiums Schedule 15 minutes to ask a question Learn how much income and assets your state Medicaid system lets you keep   Listen to more episodes Learn current and projected LTC costs of home care, assisted living and nursing homes where you live Schedule to design your plan

Many believe that Medicare pays for long term care needs.   Many also confuse Medicare and Medicaid. Listen and learn how both of these government programs work and why we need to understand why it's important to plan for ourselves and maintain control over where we live and who is helping us when we are unable to care for ourselves for an extended and unknown amount of time. What state Medicaid offices let you keep Schedule a meeting with me 15 minutes to ask a question - schedule Check out current & projected costs of care Estimate LTC premiums Listen to more episodes

This is always the question.  We all want to wait as long as we can before paying for something we don't want to own to protect our family from something that we don't want to happen.   Let me tell you - if that something is going to happen, it will whether we plan or not. Don't end up where the state Medicaid system "puts you" because you didn't plan ahead. Most people plan 25 years before along term care need arises.  When should you plan?  Listen here.  Schedule a meeting Ask a question Estimate LTC premiums   Learn what Medicaid let's you keep See projected costs of care American Association of LTCinsurance

Estimate LTC premiums Schedule a meeting with me Ask a quick question Listen to more episodes Learn what your state lets you keep to qualify for Medicaid Cost of care estimator is

Annuities can be confusing, and we tried to help keep this clear and understandable, but ---- annuities can be confusing. Schedule a meeting with me to learn more Ask a question Estimate LTC premiums Listen to more episodes  Project future costs of care in your area Learn what Medicaid let's you keep This last link is a link that is shared by 6-8 LTC professionals, so if you'd loke to shecule, pleas eus my first limk above.  Thank you

There are multiple ways to design LTC plans to get mney back of care isn't needed.  Listen to many options today.  Part two comes next week. Estimate LTC insurance premiums here: Schedule a meeting with me here:   Get a question answered here:   Listen to more podcast episodes here:   What your state lets you keep:   Cost of Care estimstor:

Estimate LTC insurance premiums here: Ask a question here:   Listen to more podcast episodes here:   What your state let's you keep:   Schedule a phone or Zoom meeting here:

LTC Resources  Estimate LTC insurance premiums here Ask a question here Listen to podcast episodes here What your state let's you keep:   Cost of care estimator:   Social Security life expectancy table: Social Security life expectancy by DOB:

Schedule with me at Ask a question at Website: Podcast episodes:   What your state let's you keep:   Cost of Care estimator:

We wish everyone a joyful Christmas and holiday season.  Celebrate with those near and far,  and enjoy all the bountiful gifts of love and family.  Open your hearts and love those you love even more this season.  Welcome those who are far from your hearts! I hope you enjoy the song my husband wrote a while back to celebrate the true Reason for the Season. Merry Christmas and Happy Holidays!   Psst:  It's me on flute again