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April 2018 LTC Newsletter

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LTC in the News

The word is spreading. Major news outlets are letting the American people know the importance of long-term care planning. Are you? Here are a few recent third-party articles.

Top News

Americans Are Spending More but Planning Less for Caregiving

New findings reveal 7 in 10 caregivers reduced their own living expenses to cover caregiving costs. Americans are feeling increasing financial and lifestyle pressure due to caring for an elderly relative or friend, according to a Northwestern Mutual study. Read more and view study

How State Guarantees Work for Current LTCI Claimants

Over the past year, there have been an increase in inquiries from concerned consumers to the American Association for Long-Term Care Insurance (AALTCI) regarding the potential failure of long-term care insurance (LTCI) carriers. Much of the concern arises from continuing media coverage that negatively portrays the traditional long-term care insurance industry. Such coverage certainly draws the attention of consumers with policies as well as those who have yet to purchase.
Read more

Getting the Word Out

Now is the time to educate Your clients on the living benefits of asset-based long-term care. What do your clients know about long-term care? Do they understand the living benefits that asset-based long-term care protection can provide? Recent research suggests most of them don’t.
Read more

How to Curb the High Cost of Caregiving

Caregiving is often so easy at the start, you don’t even think of it as caregiving. It’s a few days off from work to accompany Dad for medical tests, or a couple of hundred dollars a month for someone to check in on Auntie, or a few extra flights home to help your parents move into a senior community. It seems manageable—until it isn’t. Short-term fixes can stretch into years, upending lives, taking family dysfunction to new levels, and blowing up otherwise solid retirement plans. Caregiving poses a challenge even to professionals.
Click here to read more or reply to this email to request a copy of the article.

Why Are the New Hybrid LTC Policies So Popular?

Hybrid insurance policies for long-term care (LTC) are very popular and becoming more so each year. Let’s look at some of the reasons why. Traditional LTC insurance policies had some significant price increases. These first-time insurance plans were conceived to cover what had always been done by the wives of our children in the 1950’s. They were put together by actuaries who had no data on how they would be used, or who would be the recipients of such care. Thus, they were sold too cheaply to people they never should have been sold to.
Read more

Following a Couple from Diagnosis to the Final Stages of Alzheimer’s

For 10 years, 60 Minutes has been checking in on Carol Daly, a woman diagnosed with Alzheimer’s, and her caregiver husband, Mike. After a decade, the disease has had a devastating impact on each of them.
Watch this emotional report on the impact of Alzheimer’s.

Long-Term Care Marketing Resources

2018 Alzheimer’s Disease Facts and Figures [Infographic]

Alzheimer’s disease is the 6th leading cause of death in the United States. 16.1 million Americans provide unpaid care for people with Alzheimer’s or other dementias. These caregivers provided an estimated 18.4 billion hours of care valued at over $232 billion. View infographic

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Highland Capital Brokerage

Highland Capital Brokerage

Highland Capital Brokerage is committed to developing client-focused relationships with financial advisors using our core competencies of life insurance, annuities, and long-term care. We distinguish ourselves by providing point-of-sale support, advanced marketing, and creative estate and business planning techniques.
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