Can My Company Offer Long-Term Care Solutions? Options for Small Businesses
When it comes to benefits, most employees turn to their employers first to see what is available. They trust them to offer reliable options that both protect their families and their future savings. That includes traditional healthcare benefits, but also supplemental options like long-term care solutions. With the rising cost of care, long-term care planning […]
LTC Insurance for High Earners: Protecting Savings & Retirement Income
High-earners often spend years building their wealth, diversifying their portfolio with savings, investments, retirement accounts, real estate equity, estate plans, and more to leave behind a legacy for their loved ones. Unfortunately, that legacy could become at risk if you need long-term care. Many think they can fund their care out of pocket, but that […]
How to Talk to Parents About Long-Term Care Planning
Watching your parents getting older is hard, and having conversations about their long-term care plans can be even harder. Many parents will feel defensive, in denial that they may need help. It’s an emotional conversation that can be difficult for everyone involved. Your parents may not want to admit that they can’t take care of […]
Long-Term Care in New Mexico: Rural Care Access and Planning Options
Long-term care planning is essential to ensure we can afford the care we need as we get older. Yet, securing long-term care can be challenging, especially if you live in more rural parts of the United States and New Mexico. Families may have limited options, fewer nearby providers, and caregiver shortages that impact their care. […]
Long-Term Care in Nevada: Las Vegas vs. Reno Cost Differences
Securing long-term care in Nevada can be attractive to many. However, advanced planning is often required to make it a reality. There are many factors that can affect the cost of long-term care, including where you want to live, the types of services you want to receive, the level of care you require, and more. […]
Home Care vs. Assisted Living Costs in Arizona: What to Expect
With so many different types of long-term care available, it’s critical that you plan early. Advanced planning will help you secure your preferred care and ensure you can afford it when it comes time to receive services. In-home care, assisted living facilities, and memory care facilities all carry different costs for Arizona residents. It can […]
Long-Term Care Costs in California: Why the Bay Area and SoCal Differ So Much
California is an attractive state to live – and retire – in. It has much to offer its residents, including options for long-term care when you need it. How much you’ll pay for care depends on a variety of factors, including where you live, the type of care, services needed, and so on. Long-term care […]
Long-Term Care Costs in Oregon: Portland vs. Salem vs. Eugene (What Changes by Region)
It’s never too early to start planning for your future, especially when it comes to long-term care in Oregon. The cost of long-term care will depend on many factors, including where you live, the services you want to receive, the level of care you require, and more. Even within Oregon, there are additional variations that […]
Long-Term Care Insurance vs Accelerated Death Benefits
With so many different types of insurance policies available, it can be difficult to know which is right for you. This is especially true when you don’t know what care you will need when you get older. Traditional health insurance doesn’t cover most types of long-term care needs, which is why some people invest in […]
6 Daily Living Activities in Long-Term Care Insurance
As we age, it can become harder to perform basic activities. Whether we’re limited by mobility or a change in capability, the things we once did without thinking – like getting up or going to the bathroom – aren’t easy anymore. Once we require regular assistance with these types of tasks, it may be time […]