A Niantic based Long Term Care insurance Advisor
helping individuals in SE CT not become a burden on their family!
A Niantic based Long Term Care insurance Advisor
helping individuals in SE CT not become a burden on their family!
John C. Parker, RHU, LTCP
I call this special insurance to protect your finances — Long Term "Health" insurance
because when a person's health changes the plans pool of funds allows professionals to be hired to provide needed "help getting around" assistance!
Officially it is Long Term Care insurance which you buy
● to protect your finances from very expensive on going "help to get around" expenses.
Owning Long Term "Health" insurance means:
● Your plans pool of funds is available to hire support professionals
● Having professional support means 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 — to meet, review interests, and put together a Long Term Care insurance plan
with parts meeting your situation/budget. Owning means:
● You can hire professionals to assist with day to day life activities
such as eating, dressing, bathing, going to the toilet, transferring say from a bed to a chair, and other getting around activities.
● Your spouse or children won't be burdened having to assist you! Instead family is available to:
˃ Hire and manage professionals who will assist you and 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 ! Caregivers:
● Spend an average of 20 hours assisting.
● Are impacted in various emotional & physical ways — PLUS financially
● 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 — it works like you put an "umbrella" up over your family and finances.
● You can continue to be in your home — as independent as your health allows!
> One big advantage of being at home and in charge it means — you maintain your dignity.
● Conflict won't develop between sons/daughters — funds are available in your plan to hire help !
> Having plans funds to draw from means funds won't have to be taken out of "Mom & Dads" nest egg! Instead these 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 — advantages of owning!
The first — important "tip" — 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" — taking action today to buy is very important:
● 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!
● One idea which may help — 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 Long Term Care insurance for you.
We can review plan parts (benefits) and discuss those you are interested in to 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 taking time to gain more understanding and sharing information means:
● you can then make a more informed decision.
When you create and apply for the best Long Term Care insurance plan for you it will involve:
● an extensive review of your medical history.
You can see highlights of the application process — here!