"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:

Expected longevity
Insurability
Liquid assets
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:

Select the proper Skilled Nursing Facility (SNF) or Assisted Living Facility (ALF)
Hire and oversee a home health agency or existing caregiver
Accompany to doctor office
Be on-call for emergency hospital visits
Coordinate medications between doctors and oversee proper dispensing
Provide assessments of physical and mental abilities
Coordinate communications with remote family members with regular emails and phone calls.
Advocacy, consultation and crisis intervention
Promote optimal health and independence in the senior