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Hi Christopher,

Why I am recommending long-term care planning to my friends.

During the ongoing COVID-19 pandemic, I have been reflecting on and reviewing my family's financial and retirement plans. The pandemic has had a large impact on our community. Personally, we have a relative in a nursing home that has been overrun by the virus causing over a 55% infection rate and 16% resident deaths. so far! Fortunately, our relative has remained symptom-free and we attribute that in a large part to the fact that she can afford to be in a single room. Like many nursing homes, her facility offers a few single rooms, doubles, triples, and quads. Without insurance and substantial savings, she would not be in a single-room and may even have been in a facility that was harder hit.

Over ten years ago, my wife and I purchased stand-alone long-term care insurance policies. Having spent most of my carrier in the employee benefits and insurance industry, and a good part of that in health insurance, I was very aware of the risks of needing care later in life or even at a relatively young age. One of the key reasons we purchased policies was to have the money and assistance to stay in our own home for as long as possible should we need care. We also were concerned about retaining our choice and control over where we received care and from whom we received that care. Somewhere in our thinking was also our desire to not become a burden on our children (or on each other!) or to impact them financially.

Being in the insurance business myself, we have had a head start in our planning and know a lot about long-term care planning. Having more recently worked through the long-term care needs of 5 relatives has really cemented in my mind the need for people to actually sit-down and learn about the risks of needing care, the potential impacts (financially and emotionally) of care and how to plan for it.

I'm now doing something that I've never done, bothering my friends. I'm talking to all of my 50 and 60-something friends and relatives about long-term care solutions and strongly recommending that they spend some time with a licensed LTC advisor so that they can become better educated and explore options for themselves. It never hurts to gain a little knowledge and better understanding of how you can protect yourself and your family.

You may not have had a head start on planning but as a member of your association you have access to resources and benefits that many people don't and that enables you to accelerate your planning.

Your access to the LTCRplus Group Benefit Program is complimentary and contains four key benefits that can help you and your family with LTC issues today as well as the expertise for planning for your future.

LTC Funding

The core benefit of the LTCRplus program is helping members develop a plan for how they will pay for the potential expenses associated with their extended care. Licensed LTC Specialists are available to help you understand your planning options.

LTC Navigation

The LTC Navigation benefit is designed to help members deal with the complexities of finding the long-term care services that they or their family member may need.

LTC Audit

LTC Care Audit is available to LTCRplus members at an additional discounted cost and can be performed on a one-off basis at your request or scheduled at regular times.

LTC Legal

Through LTC Legal, you have the ability to create dozens of legal documents in any State through an interactive portal.

Take the next step and learn about the Long-Term Care solutions that are available and what they cost and cover. Speak with an LTC Advisor for a no cost, no obligation analysis of your options. Call Toll Free (844) 582-7587 Specialists are available Monday - Friday from 9 am to 8 pm est.

Not ready to speak with a specialist just yet?

We know most members are concerned with gaining a better understanding of what plans may cost and what benefits they provide. Since the cost of insurance varies based on numerous factors such as the type of product selected, benefit levels, age, health, gender, group discounts and marital status, we have provided two ways for you to evaluate cost and coverage.

General Costs/Benefits: We have created a self-service LTC Premium and Benefits calculator at: https://calc.ltcrplus.com These are national averages so exact rates may be different in your state.

Personalized Costs/Benefits: An LTC Advisor who is licensed in your state can be assigned to you to provide detailed quotes. Your LTC Advisor will work with you in a manner most comfortable to you including by phone, email or webinar and can answer all your questions about LTC solutions.