We need to recognize the contributions and sacrifices that family caregivers make to help those they love who can't provide for their own daily needs.

The reason most people own LTC insurance is to help those caregivers to not feel alone and isolated.

If you don't own LTC insurance and you want to protect your family, assets and choices, schedule time with me to plan here

Below are many resources to help caregivers help their loved ones better.

Administration for Community Living https://acl.gov/

Alzheimers Association https://www.alz.org/

American Association of Homes and Services for the Aging https://leadingage.org/

Aging Life Care Association https://www.aginglifecare.org/

National Council on Aging https://www.ncoa.org/

Senior Homes https://www.seniorhomes.com/

Assisted Living Foundation of America http://www.alfahousing.org/

National Center for Assisted living https://www.ahcancal.org/Assisted-Living/Pages/default.aspx

Memory Care Facility Locator https://www.memorycarefacilities.net/

Today's Caregiver magazine https://caregiver.com/

National nursing home database https://www.medicare.gov/care-compare/?redirect=true&providerType=NursingHome

There are others, but this is a good start.

This week, I'm kind of on a soapbox.

It seems that some people will keep asking about LTC insurance until someone tells them they don't need it. No one knows if we'll need help living at some point or not.

We need to ask ourselves who the insurance is going to help. We're going to get care whether we plan or not.

We need to ask oursleves who wil suffer the consequences of our failure to plan. It's the people helping us.

We say we don't want to "burden our family", but by not discussing where we want to live, who we want helping us and how we will pay for care, by default, we are burdening them.

Please review current and projected costs of care where you live here and please use at least a 4% annual increase in costs as we've seen that and more across the country over the last three decades.

Then, schedule a phone or zoom meeting with me to design your family's plan here

This week, we decided to answer some questions that we don't get as often as some others, but they're still very relevant.

When plannng for long term care needs, we need to gather enough information to be able to decide what kind of plans will fit our needs best.

We're here to help and to address those questions that you may not have thought to ask.

Listen and then schedule a phone or zoom meeting with me to design your plan to protect your family through an extended care need.

Schedule here

It seems that with nearly every person or couple I work with, a version of this question comes up.

Which plan do I recommend most often?

Although all LTC plans are similar in how to qualify for benefits, each company and even each plan within a company carries unique attributes to that are attractive to various wants and needs of interested buyers..

This week, Diane shares different/unique characteristics offered inside hybrod life/LTC plans.

The premiums can't be too high or too low compared to the competition, or one company will get far too many applicants (leading to many more future claims) than other carriers. The lopsidedness of the financial obligations would really mess up that company's future committments.

So if premiums ar similar across the industry, each company needs its own way to attract the clients they want to attract.

Listen and learn some of the unique ways companies diffrentiate themselves.

Email me at diane@preparing4tomorrow.com and ask me for more info on hybrid LTC planning strategies.

Then schedule a phone or zoom meeting with me to design your plan here

This is the beginning of our 6th year!!!

This week, Diane interviews Jason Dutra with BuddyIns again. We discuss tax-benefits of worksite LTC insurance and hybrid life/LTC worksite plans.

How are these plan offerings different than other group benefits that employers offer?

How can employers use group life/LTC plans to show how much they care about their employees?

When employees know their employer cares about them and their families, they are more productive. Everyone is happier, and employee retention is strong.

If you are a business owner with at least 3 employees, there are worksite LTC plans available for you to consider. These plans have guaranteed issue rights, so no medical questions to qualify.

If you are an employee and have been declined for LTC, you can ask your employer if they would consider offering this benefit to some or all the people who work there.

Schedule some time with me to explore options here

This week, after hearing from a client who wishes she would have bought more insurance a decade ago, Diane shares decisions that others have made in the past and now regret it.

These people, if they had thought through their decisions before making them, could have ended up with much better outcomes.

When planning to provide for ourselves and protect our families, we need to take action. And we need to not skip the small things. The small things in these stories would have made all the difference.

We all have a plan for our own future long term care needs. Some will just let things happen and will end up being "put" somewhere. Those who proactively seek solutions end up with much better choices later on.

You can view both current and projected costs of home care, assisted living, and nursing home care where you live or plan to live here

I recommend you use 5% inflation on care as that's what we've seen for three decades.

Then schedule a phone or zoom meeting to start designing your plan here

Then you'll be Prepared for Tomorrow!!!

This week, we look at premiums of traditional, stand-alone LTC plans. Diane shares a plan that her clients designed 10 years ago when they were 49 and compares that to the same plan for a 49 year old couple today, a 59 year old couple today and a 69 year old couple today.

Listen and learn how both premiums and benefits at each age (and time) differ.

You'll be surprised when learning the total premiums paid at 49 and 69, and more importantly, the difference in benefits availabe at age 79 for each plan.

View current and projected costs of care where you live here

Be sure to use a 5% cost of living rate as that's the average cost of care increase over the last 30 years.

Schedule a phone or zoom meeting with me to start designing your plan here

Let's wotk together so you and your favorite people are prepared for tomorrow!

This week, Diane compares 10 year hybrid Life/LTC plans with 10 year paid up funding for a couple age 50, age 60, and age 70 to share why it's so much better for everyone when we plan early.

Even though we don't want to think about it, at age 50, we need to consider what our 70 year old self, our 80 year old self and even our 90 year old self may be like and what kind of help we may need.

Genuinely see the older people around you - your family, people at the grocery store, people walking out to their mailbox to get the mail. Are they moving more slowly or unbalanced as compared to how they may have been able to move around 10, 20 or 30 years ago?

Why would we really think we'll be different?

By starting at age 50 onstead of 60, you could save hundreds of thousands of dollars in premiums over your lifetime, get your policies paid in full before you retire and then have 10 times what you paid in premiums to pay for care needs wherever you and your family and doctor sees as the best and safest place for you to live and get help living.

You'll know you have a plan for when things don't go as planned.

View current and projected costs od care where you live here and remember to use a 5% cost of living adjustment when considering future costs as that is the average rate of inflation on LTC services.

Schedule a phome or zoom meetign to start designing your plan here