LTC News & Resources
Categories:
Long-Term Care Planning
Get Covered Before You Get Curious: Why Long-Term Care Insurance Should Come First
What your cardiac calcium score, memory test, or genetic results could cost you — and it has nothing to do with your health. You’re the kind of person who takes your health seriously. You research, you ask questions, you go beyond the basics. Maybe you’ve already scheduled a cardiac calcium scoring scan after reading about …
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Your Family, Your Care: How a Loved One Can Get Paid to Care for You
When most people think about long-term care, they picture a stranger arriving at the door. But for many families, the most natural caregiver is already there — a daughter, son, spouse, niece or sibling who steps in out of love. What fewer people realize is that with the right long-term care insurance plan and a …
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When Grief Meets a Locked Screen: Why Your Family Needs Access to Your Digital Financial Life
Nobody wants to think about their own death. And nobody — not really — wants to picture the people they love most sitting at a kitchen table surrounded by papers, a laptop, and a phone, trying to piece together the financial life of someone who is no longer there to explain it. But that scene …
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What Every Pre-Retiree Should Know About LTC Planning – The Hidden Cost of Waiting
If you’re in your 50s or early 60s, retirement planning is likely top of mind. You’re thinking about your 401(k), Social Security, and maybe that dream vacation you’ve been postponing. But there’s one critical piece of the retirement puzzle that many people overlook until it’s too late: long-term care planning. The reality is sobering: someone …
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The Home Advantage: How In-Home Long-Term Care Enhances Quality of Life
When most people think about long-term care, images of nursing homes or assisted living facilities often come to mind. While these options serve an important role in our healthcare system, there’s a growing body of evidence—and a clear preference among older adults—for receiving care in a very different setting: home. The concept of “aging in …
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Hidden Costs of Family Caregiving: What Every Family Needs to Know
When a parent or loved one begins to need long-term care, one of the first conversations many families have is whether an adult child should step in as the primary caregiver. It’s a decision often made with love and the best of intentions. But while the emotional rewards of caring for a parent can be …
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The Prospect of “Empowered Living” Could Motivate Millions to Plan for Long Term Care
Planning for a stage of life viewed as passive and dependent turns many get-up-and-go Americans off. An aging workforce and maturing Baby Boomers are escalating the need for senior services. Failing to plan for this jeopardizes federal and family pocketbooks and could perturb the economy. An effort to include long term care in Obamacare fizzled, …
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Long-Term Care, a Chore for Many, Can Be a Treasured Gift
“This holiday season you can make long-term care into a gift, not an obligation,” says Denise Gott, long-term care agent with ACSIA Partners LLC. “The upcoming holidays may be the only time family members get together all year,” says Gott. “It’s an ideal opportunity for raising the issue of long-term care. How can it be …
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November is Long-Term Care Awareness Month. Why Should You Care?
Back in 2001, November was designated Long-Term Care Awareness Month by the American Association for Long-Term Care Insurance (AALTCI). Now it’s an event recognized by Congress and a number of states. “We need an annual reminder because a lot is going on right now,” says Denise Gott, CEO of ACSIA Partners LLC. “We’re faced with …
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Add 7 Wellness Habits to Your Long-Term-Care Plan
Qualifying for affordable long-term care insurance isn’t a sure thing. It depends on your health, which (in turn) depends on your health-promoting habits. “This should go without saying,” says Denise Gott, CEO of ACSIA Partners LLC, “but which habits are most important? And how much difference can they make?” “Thanks to the experts in the …
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As Americans Live Longer, Planning for Long-Term Care Falls Short
Fortunately, a positive, action-oriented solution exists! Today, ACSIA Partners LLC introduces “self-mpowered living,” a plan for solving one of our biggest national problems: lack of planning for long-term care. Why is it such a problem? An aging workforce and maturing Baby Boomers are escalating the need for senior services. Failing to plan for this jeopardizes …
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Dementia Cases Are Soaring, Compounding the Need for Long-Term Care
A Four-Part Solution ACSIA Partners LLC details its four-part “solution set” for Americans facing a growing problem: How to cope when family members succumb to dementia — on top of ordinary long-term care needs. Two seemingly separate problems conflate. When dementia (a group of disorders which includes Alzheimer’s disease) strikes, memory and other faculties decline. …
Read MoreCaregiving
Your Family, Your Care: How a Loved One Can Get Paid to Care for You
When most people think about long-term care, they picture a stranger arriving at the door. But for many families, the most natural caregiver is already there — a daughter, son, spouse, niece or sibling who steps in out of love. What fewer people realize is that with the right long-term care insurance plan and a …
Read More
The Home Advantage: How In-Home Long-Term Care Enhances Quality of Life
When most people think about long-term care, images of nursing homes or assisted living facilities often come to mind. While these options serve an important role in our healthcare system, there’s a growing body of evidence—and a clear preference among older adults—for receiving care in a very different setting: home. The concept of “aging in …
Read More
Hidden Costs of Family Caregiving: What Every Family Needs to Know
When a parent or loved one begins to need long-term care, one of the first conversations many families have is whether an adult child should step in as the primary caregiver. It’s a decision often made with love and the best of intentions. But while the emotional rewards of caring for a parent can be …
Read More
Setting Senior Care Goals for the New Year
Here are some ‘How To’ tips for you and your aging loved ones who want to age at home. As the new year approaches, many families being reflecting on their senior loved ones’ health, independence, and overall well-being. For seniors who want to age at home while maintaining their health and independence, the end of …
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The Prospect of “Empowered Living” Could Motivate Millions to Plan for Long Term Care
Planning for a stage of life viewed as passive and dependent turns many get-up-and-go Americans off. An aging workforce and maturing Baby Boomers are escalating the need for senior services. Failing to plan for this jeopardizes federal and family pocketbooks and could perturb the economy. An effort to include long term care in Obamacare fizzled, …
Read More
Industry Updates
November is Long-Term Care Awareness Month. Why Should You Care?
Back in 2001, November was designated Long-Term Care Awareness Month by the American Association for Long-Term Care Insurance (AALTCI). Now it’s an event recognized by Congress and a number of states. “We need an annual reminder because a lot is going on right now,” says Denise Gott, CEO of ACSIA Partners LLC. “We’re faced with …
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About Peggy Fields
My specialty is Long-Term Care. I do this all day long and know LTC like the back of my hand :)
Peggy Fields Bio HERECare Coordinators
Care Coordinators get the ball rolling with claims and care. There's nothing like having someone in your corner for that, an advocate!
AdvocacyWhat are the chances?
We are living longer with chronic diseases. What are the chances of needing long-term care?
RisksIs my money insured?
Are insurance companies insured? The National Organization of Life & Health Insurance Guaranty Associations (NOLHGA) handles claims.
Insurance companiesNo need to go it alone...
Amada Senior Services will walk you through it every step of the way!
Care SupportHealthSpan and WealthSpan
What is the difference between HealthSpan and WealthSpan when it comes to LifeSpan?
Find out hereDenied coverage - really?
What can disqualify me from getting Long-Term Care insurance?
Find out hereFamily Wellness Check
With today's busy families, any holiday is a great time to get together - which is usually when we notice things that we haven't before.
Family ChecklistIt's All About Family!
In this article from Investopedia, we see the impact that caregiving can have on family members!
Family SupportRob Lowe shares openly
Celebrities candidly speak about their own long-term care experience in this brief video.
Watch herePlanning Analysis
Questions to ask yourself from a financial and personal perspective - This is a very helpful Planning Analysis!
QuestionsThe Great Wealth Transfer
What is the Great Wealth Transfer and is it already in motion?
Wealth TransferThe Secure Act of 2022
The Secure Act allows for penalty-free distributions from retirement plans to pay for certain LTC premiums.
Secure ActTake the Quiz!
Out of these 10 things, see if any describe your situation or are areas of concern for you and your family.
Take the QuizTax Benefits of LTC ins.
Did you know there are plenty of tax savings for having Long-Term Care insurance?
Tax savings1035 Exchange and SPIA's
Having trouble understanding the difference between a 1035 Exchange and a SPIA, Single Premium Immediate Annuity?
1035 and SPIAHow to File a Claim
Many people wonder how to file a claim when the time comes to use their long-term care policy. This article walks you through the process.
ClaimsUse your HSA for premiums
Did you know you can use an HSA, MSA or an HRA to pay long-term care policy premiums?
HSA for premiumsShould I invest instead?
Should I invest what I would pay in premiums instead of buying long-term care insurance?
Invest instead?Extended Care Solutions
What's the best way to pay for the High Cost of Long-Term Care without depleting Retirement Savings?
Solutions"Peace of Mind" Coverage
Long-Term Care insurance provides Peace of Mind for your family and your finances. See how!
Peace of MindSurvey: Family Caregivers
Wouldn't it be great to know what family caregivers are thinking and feeling? Well now you can from the following survey results!
Results of SurveyInflation Protection
Learn how to protect against inflation on Healthcare and LTC
Inflation ProtectionYounger vs Older
Is it better to get LTC insuarnce when you're younger or when you're older? Let's take a look at an example...
Example ratesDave Ramsey's take on LTC
Dave Ramsey says there are 8 Types of Insurance that are crucial to protecting your family and finances.
Ramsey's recommendationCan I be declined?
How to prevent getting declined for Long-Term Care insurance...
Denied vs ApprovedAffordable LTC insurance
5 Tips to find Affordable Long-Term Care Insurance:
Affordable insurance HEREShould I rely on family?
If I need long-term care, should I rely on my family to take care of me?
My Family CLICK HEREProtect your savings!
Your portfolio includes retirement savings - does it also include LTC protection?
Your Portfolio HEREDo the rich need LTC ins?
Should wealthy people get Long-Term Care insurance? Do rich people buy other kinds of insurance?
Find out hereKate's Story
Kate Washington cared for her husband for six years through his treatment for lymphoma, a stem-cell transplant and chronic illness.
Kate's StoryIs a Hybrid right for me?
This article may help you decide if a Hybrid LTC Plan is right for you.
Hybrid for me?Schedule a call
If you'd like to schedule a consultation, you may do so by clicking on the link below:
Book a phone appt