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June 2018 LTC Newsletter


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

4 Retirement Rules to Live By

Retirement means no longer dealing with the daily grind — but having more freedom during retirement doesn’t mean there are no rules to live by. Most retirees have limited incomes and concerns about making their money last — which means that making a plan and setting guidelines can be essential. To help ensure you’ll be able to enjoy your retirement and escape financial disaster, make sure that you live by these four important retirement rules. Read more

Long-Term-Care Insurance Isn’t Dead. It’s Now an Estate-Planning Tool

Hybrid policies, aimed at affluent Americans, offer long-term-care benefits along with potential death benefits

Policies that combine long-term-care coverage with a potential life-insurance benefit are called “hybrids,” and they are reshaping the long-term-care niche of the U.S. insurance industry just as it had appeared headed for obsolescence, financial advisers say. The Goldsmiths were among 260,000 purchasers last year nationwide of these hybrids, according to industry-funded research firm LIMRA, far outpacing the 66,000 traditional long-term-care policies sold in 2017.
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Long-Distance Caregiving, Up Close

Everyone knows caregiving is hard. It’s even harder when you’re actually the caregiver. Margie Barrie, a veteran long-term care insurance (LTCI) agent, marketer and educator, has been writing articles about long-term care (LTC) planning and related issues for years. Here she talks about what happened when her mother fell.
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Who Will Care for You When You are Elderly and Frail? You Should Plan Now

For all of us, the future will include a period — perhaps brief, perhaps extended — of frailty and physical decline. No one is immune. Broccoli and advice from relatives are things we apparently like to avoid, and clearly many people have added old-age planning to that list. I hope you don’t.
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Young Adults Feel Stress of Long-Term Care, Poll Finds

Most young adults haven’t given much thought to their own needs as they get older, but a significant number are already providing long-term care for older loved ones, according to a new poll by the Associated Press-NORC Center for Public Affairs Research. And while those who have caregiving experience put in fewer hours than their older counterparts, they’re more likely to feel stressed out by the experience.
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