Recommend Tweet Linkedin

Long Term Care

 

 
Long Term Care Insurance is a complicated subject.  I can help you decipher the terminology and options; call or email me for a free, no obligation consultation.  At that time I will review all the different types of coverage available to you and help you decide which type will fit both your budget and needs.  I try to make it as easy as possible for you.

I have four professional designations; three are from the American College, the CLU®, CASL® and the ChFC®.  The fourth, the CLTC, is from the CLTC Board of Standards, Inc.  They show that I have gone the extra mile to learn about my field.


Chartered Life Underwriter (CLU®)
A professional designation (achieved by passing a series of examinations) demonstrating knowledge of life insurance products and their potential uses to meet business, estate planning, retirement planning, and other objectives.

Chartered Financial Consultant (ChFC®)
A professional designation (achieved by passing a series of examinations) demonstrating the successful completion of financial courses involving insurance, investments, taxation, accounting, estate planning, and more. The ChFC designation indicates a knowledge of financial planning, as well as the features, benefits and uses of various insurance and financial products.

Certified Long Term Care (CLTC)
A designation granted by the CLTC Board of Standards, Inc. The program is financially independent of  the Long-Term Care Insurance industry. Graduates have completed a rigorous multidisciplinary course that focuses on the profession of LTC, not the selling of insurance products. This designation is affiliated and endorsed by the College for Financial Planning, the company that created the financial planning industry's most prestigious program, Certified Financial Planner TM.

Chartered Advisor for Senior Living (CASL®)
The CASL® is composed of five in-depth courses and is the most robust designation available (achieved by passing a series of examinations) in this specialized field.  The courses cover: principles of investments and their application to financial planning; risk analysis and risk and return computations; tax issues* in investing and issues in the practice of portfolio management, including strategic and tactical asset allocation; estate and gift tax planning, including the nature, valuation, transfer, administration, and taxation of property; analysis of the alternatives available for senior clients to finance medical and long-term care, including private resources, government programs, and private insurance; and financial decisions clients face as they approach, reach, and pass retirement age.

 

You can also attend one of the classes I teach about Long-term Care Insurance, listed on the left, under "Classes".  

Long-Term Care Insurance is still a relatively new type of insurance product and many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits and who needs to obtain coverage.  The content in this section of the site is here to address some of the key topics and questions related to long-term care insurance and help people who are considering purchasing a policy make the right choice.

The Long–Term Care Resource Center is provided as a resource for individuals or families seeking to educate themselves on the issues related to long–term care and long–term care insurance.

The topic of long–term care seems to be getting more and more attention. Much of the discussion around long–term care is focused on the rising costs of long–term care services, the increasing size of America's retired population, the dramatic increases in expected average life span and the impact the convergence of these factors may have on families and the health care industry.

Some of the most important benefits of long-term care insurance have been clouded by vague or confusing descriptions and some long-term care facts have been poorly explained.  As a result, many people do not have a clear and accurate understanding of the issues surrounding long-term care and long-term care insurance.  These articles were designed to help people get around these obstacles and gain an understanding of long-term care and long-term care insurance that can help them make sound decisions about their future.

Long-Term Care Insurance Policy Checklist
Long-Term Care Insurance Information Resources
Glossary of Long-Term Care Insurance Terms
New York Life Insurance Company

Please note: This resource center is for informational purposes only.  You should contact your professional advisors for legal, tax or accounting advice.  State insurance regulations vary.  Content in the Resource Center may not apply to every state.