AgingPlan

AS WE LIVE LONGER, HOW DO WE ACCOUNT FOR THE ADDITIONAL RESERVES WE MIGHT NEED?

As we live longer, the need to plan for longevity in retirement becomes critical. Engaging in this planning process may make all the difference later on for both ourselves and our families

http://bit.ly/AP-LLL

WHAT ARE THE 8 STEPS TO FILING A CLAIM FOR LONG-TERM CARE INSURANCE?

1) Designate a point person; 2) Hire a “Qualified LTC Care Provider""; 3) Review the “Plan of Care” and caregiving notes; 4) Visiting your primary care physician; 5) Contact the carrier; 6) Complete a claim’s assessment; 7) Obtain all the details on approval; and 8) Take charge of your benefits.

http://bit.ly/AP-DIYG

WHAT ARE THE RISKS OF CAREGIVING TO THE WELL-BEING OF A SPOUSE?

In addition to protecting these income-producing assets, an insurance plan can help protect the partner from the potential exhaustion that comes from managing the care-giving needs of a spouse on their own.
bit.ly/AP-PS

HOW DO I INTEGRATE MY LEGACY PLANNING GOALS INTO LTC PLANNING?

Clearly defining your own orientation towards leaving a legacy, as well as that of your partner, can greatly enhance the likelihood of a cohesive plan to accomplish your financial goals.
bit.ly/AP-LG

LTCI Claims: 6 items you will need before placing an call.
1) The home care provider’s or care facility’s license;
2) The “Plan of Care”;
3) The care provider’s daily caregiving notes;
4) All invoices for care services;
5) A list of the policyholder’s medications; and
6) A list of the policyholder’s physicians.

bit.ly/AP-DIYG

WHAT RESOURCES ARE AVAILABLE FOR LONG-DISTANCE CAREGIVERS?

Providing care for a loved one from a distance can cause additional stress from coordinating logistics remotely, without the affirmations of face -to-face interactions from a health care team and their loved one.

bit.ly/AP-LDC

IS GETTING YOUR MONEY BACK WORTH THE COST IN A COMBO OR STAND-ALONE LTCI POLICY?

The second and most attractive feature of a Hybrid LTCI policy is that it has the potential to “give your money back if you don’t need it”.

bit.ly/AP-SACL

WHAT IS THE FUTURE OF LTCI PRICING STABILITY?

The “windshield” of the future (with regard to premium stability) likely looks much different than the “rearview mirror” of the past. The 2014 LTCI pricing study, conducted by the Society of Actuaries, concluded that the average Long-Term Care insurance policy marketed in 2014 had about a 90% chance of having level premiums.

bit.ly/AP-HLP

PREPARING FOR LONGEVITY CHECKLIST: LEGAL CONSIDERATIONS.

Planning for aging, frailty, and Long-Term Care includes many legal considerations, including end-of life-planning. Commit to developing an today.

bit.ly/AP-LLL

CAN WE SUPPORT A SURVIVOR'S LIFESTYLE WITH LONG-TERM CARE PLANNING?

The lifestyle needs of the survivor should be the goal when designing an appropriate level of Long-Term Care Insurance coverage. The coverage should protect enough income-producing assets to support the survivor.

bit.ly/AP-PS

WHAT IS THE VALUE OF A LONG-TERM CARE CLAIMS ADVOCATE?

A Claims Advocate (usually a specially trained Geriatric Care Manager or RN) is the most valuable asset you can have on your side when filing a LTCI claim. A Claims Advocate can advocate for the needs of our loved one to an insurance company.

bit.ly/AP-CAD