A Long Term Care insurance Advisor in Niantic CT
helping individuals in SE CT not burden their family!
A Long Term Care insurance Advisor in Niantic CT
helping individuals in SE CT not burden their family!
John C. Parker, RHU, LTCP
What is Long Term "Health" insurance?
My name for the special insurance, which provides funds to hire assistance, if needed, following a change of health. When buying a plan:
● You are asked to select — the benefit parts and amounts so it fits your situation & interest.
● A pool of funds is created so professionals can be hired to assist you, if needed, with day to day life activities.
I call these plans Long Term “Health” insurance because:
● benefits are available when a person's health changes and needs assistance to maintain their health activities!
Officially this special plans are Long Term Care insurance. When you own this special insurance it means, for example your:
● Loved ones won't have to assist you 24/7.
● Children won't face the difficult & emotional task of helping a parent use the toilet!
Take action TODAY — Buy a Long Term Care insurance plan, with the
parts you select to fit your situation & budget. Owning means:
● Professionals can be hired if assistance with life activities is needed. They will support:
getting around and eating, dressing, bathing, going to the toilet, or transferring say from a bed to a chair.
● Your spouse or children would be burdened with assisting you! Instead family can:
˃ Hire and manage professionals to assist you and then be free to care about you.
You can hear in this video - what some people said about buying a plan because they did not want to burden family!
● Family won't develop health problems spending long hours — caring for you ! We know:
● Caregivers spend an average of 20 hours.
● There are emotional & physical impacts on Caregiver - PLUS financial!
● 70% of family Caregivers have significant symptoms of depression.
● Most of your "hard earned saving nest egg" is protected — funds will be there to use if needed.
> When you buy a Long Term Health plan, in addition to the benefit you can use — it works like you put an "umbrella" up over your family and finances.
● You can continue to be as independent as your health allows — professionals will support you.
> One big advantage of being at home and in charge it means — you can maintain dignity.
● Conflict won't develop between sons/daughters on how to pay for help — plan funds are available !
> Having plan funds means they won't have to take funds out of "Mom & Dads" nest egg! Instead your savings can be retained for the healthy parent to continue a lifestyle close to what they had.
● A Single individual can leave any funds left in their nest egg to a favorite organization.
Note: Having funds to leave as a legacy says to others - their funds were used to help others not themselves.
How to gain the above — advantages of owning!
The first — important "tip" is:
Spend time to think about what you would like — to be able to do if:
● You have an accident or a change in health tomorrow and the MDs says —you will need help to get around for 6 to 9 months?
● Frailty develops later in life and you need assistance with your day to day activities.
˃ This page has some ideas on planning for a health change You may find them useful!
The second "tip" — it's very important to take action today:
● Why? — the cost to buy a plan, so you can hire getting around assistance, goes up each year of age and the yearly step ups are big!
● Thus, I suggest beginning now to take action. — One idea review this page with points on taking action today It shares ideas on how you gain by acting early.
Then — call John C Parker at 860.739.0005 to talk about how Long Term Care insurance works.
We can review plan parts (benefits) and spend time on how those you are interested can meet your personal/unique situation!
I'll get back to you if not available. You can also send a note to - Learn@JohnCParker.agency
Want to emphasize when you take time to gain more understanding it means:
● you can then make a more informed decision.
When you sign up to buy the best Long Term Care insurance for you it involves:
● a detailed review of your medical history.
You can find details on the steps in the application by — scrolling down to the bottom section on this page.