Jun 19, 2025
Hello all,
I recently had cataract surgery in both eyes, and my eyes get tired if I look at the computer too long. I need to take breaks while recovering.
Instead of discussing shared and individual LTC annuities this week, I need to share an episode that was aired last summer.
This will remind you how LTC annuities...
Jun 12, 2025
After reviewing planning strategies for hybrid or linked benefit LTC plans, this week we are comparing shared and individual traditional or stand-alone LTC plans.
Yes, there have been rate increases on these plans, but over the last 20 years or so, traditional LTC plans have gotten much healthier. Listen and learn...
Jun 5, 2025
Anna & Marty compare shared hybrid life/LTC plans with separate LTC plans for each of them.
It's a matter of preference and goals.
The LTC and death benefit are directly related, so plans with higher LTC benefits have larger death benefits.
The death benefit acts as a return of premium if care isn't needed.
The key...
May 29, 2025
This week, Jen asked if she and her husband can own a long term care plan together and share the benefits with each other.
She asked what happens if one person uses all the benefits.
And what happens if neither of them need extended care services.
She wants to know if it would be better to have two separate plans or...
May 22, 2025
This week, we need to pay attention that LTC is not just a women's issue. It used to be more focused on women because we live longer and are more likely to live alone when help is needed.
Today, with so many divorces, we have a lot of single men who will also be living alone when help is needed.
But men are the...