

"Plan For The Unplanned"
Long Term Care and health costs must be planned for. For healthy single person aged 65 , there is a 70% chance that they will incur six figure LTC expenses and a couple has an astounding 90% chance. We can identify and help you examine your options now, rather than later, when they may have narrowed. We will help you analyze your LTC needs based on your:
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Expected longevity
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Insurability
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Liquid assets
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Risk tolerance
Go to the interview tab "Long Term Care" to hear discussions.
We can help you examine and implement your best options ranging from self-paying, traditional LTC insurance, tax-qualified LTC annuities, deferred annuities or life insurance with a long term care rider. With proper planning you can leverage your money to pay future bills.
Take a look at 2014 Florida costs:
Bottom line plan now and avoid a catastrophe later, especially if you are a couple under age 70. Don't let the "last man/woman standing" become unnecessarily impoverished and dependent on Medicaid.
Here is a planning calculation using investments rather than insurance:
On a practical note, if you or a loved one already needs help with some of the activities of daily living (ADLs), a Registered Nurse (RN) with special LTC work history and training as a Professional Geratric Care Manager (GCM) can help manage someones care:
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Select the proper Skilled Nursing Facility (SNF) or Assisted Living Facility (ALF)
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Hire and oversee a home health agency or existing caregiver
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Accompany to doctor office
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Be on-call for emergency hospital visits
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Coordinate medications between doctors and oversee proper dispensing
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Provide assessments of physical and mental abilities
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Coordinate communications with remote family members with regular emails and phone calls.
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Advocacy, consultation and crisis intervention
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Promote optimal health and independence in the senior
Click here for the Aging Life Care national site and to select a local referal:

Long Term Care

Contact Us
FOR A FREE CONSULTATION
Ringgold & Associates
1415 Panther Ln #308
Naples, FL 34105
239-591-6797
