Thank you for stopping by my new website created just for consumers who don’t have a local insurance professional to answer their questions about long-term care insurance. My commitment to you is to provide a simple explanation for whatever you ask me, and that’s why this site and my newest book are both called The ABC’s of Long-Term Care Insurance. The subject of planning for long-term care has gotten way too complicated, and I’m here to help you sort through any confusion.
If you found me through my dear friend, Suze Orman, then we share a connection already of knowing a truly great person with a huge heart who lives to help families go from just surviving the current economy into embracing The New Retirement. I’m thrilled to participate in that journey with Suze to help you and your family know just how important the step of planning for long-term care is. And let me be very upfront about where I am on this topic.
Planning for long-term care is not just a good idea – it’s essential for most Americans so that families can retain INDEPENDENCE and CHOICE when care is needed.
Is long-term care insurance right for everyone? No, but you owe it to yourself and your family to find out if it’s right for you. And now you have a willing navigator…ME.
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Hi just wondering what age do you start LTC? I am 61 years old big follower of Suze Orman for years. Over the years I had heard not to purchase LTC because it runs out after so many years, Is this true? What I was told if you buy it to early by the time you go to use it ,It has expired. Therefore you have no policy to use.
Author
Wow I’m really glad you found me Lisa. That is so not true! Long-term care insurance is guaranteed renewable for life. You do buy a certain amount of coverage which is called a benefit period which can be two years to unlimited. But that clock doesn’t start until you have a claim. The reason to get LTC insurance as soon as possible is because 1) it’s less expensive the younger you are, 2) you could develop a debilitating health condition that makes you uninsurable and 3) you could be hit by a drunk driver or have another bad accident or debilitating health condition that could make you need care AT ANY AGE. Please go back to my website and complete the short questionnaire to have a no-obligation consultation with one of wonderful team members. https://gotltci.com/ While you are there, you might want to watch my 12 minute video which will provide you with a good basic understanding of how LTC insurance works. I urge it to do this now Lisa. You have nothing to lose and everything to gain.
Hi Phyllis!
I’m a huge Suze fan and have learned about you and LTC through her. I live in California but will likely retire in Canada where I’m from and where my family lives. Are you able to provide any assistance when it comes to LTC in Canada? If you could kindly let me know, I’d really appreciate it.
Warmest regards,
Kim Ive
Author
yes Kim! So glad you contacted me. Mutual of Omaha will pay in Canada and the United Kingdom as well as the US and all its territories. That is a traditional LTC insurance policy. Brighthouse has a hybrid plan that has full international (worldwide) benefits. One of my specialists would love to help you explore these policies. Just go to my website and complete the short questionnaire by clicking on the box that requests a free, no obligation consultation.