for a personalized quote from a state-licensed professional in your area call 800.290.7400
or click here to Get a Quote
If you have a traditional LTC policy, you may consider adding a HomeLTC policy to modernize your coverage. There can be a great advantage to expanding the amount of choices you have regarding your care by giving you Home4Care to pay anyone for anything.
If your current coverage has an inflation rider, you may want to determine the current value, contact the carrier and ask what the premium would be if you removed your inflation option or reduced the benefit years.
Adding a HomeLTC policy is another way to hedge inflation or extend your coverage. Exploring this information, with the help of a licensed professional, can help you discover if there is any value in adjusting your coverage.
HomeLTC.org is not advocating dropping your older LTC policy. Most policy holders would not be able to replace their current benefits without their premiums increasing because of their present age.
In addition, during an economic storm, HomeLTC may be an extremely affordable alternative that provides the financial means for a family to keep their heads above water when taking care of a loved one. It's a choice that is certainly worth exploring.
Sample
HomeLTC rates of a major LTC carrier
The sample rates below
are based on 90 calendar day elimination period,
No benefit increase
option, married individual north carolina standard rate table.
Rates may vary in
your state, health conditions, and marital status.
This
is for illustration purposes only
For
a personalized quote from a state-licensed professional in your area
call
800.290.7400 or click here to Get a Quote
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Stop... |
Cash
Account Value |
Cash
Account Value |
Cash
Account Value |
Cash
Account Value |
Look...
|
$100,000
Once you qualify for
benefits. Pay anyone, for anything* |
$100,000
Once you qualify for
benefits. Pay anyone, for anything* |
$200,000
Once you qualify for
benefits. Pay anyone, for anything* |
$200,000
Once you qualify for
benefits. Pay anyone, for anything* |
| Choose...
|
Monthly
Benefit Payout |
Monthly
Benefit Payout |
Monthly
Benefit Payout |
Monthly
Benefit Payout |
| |
$1,500 |
$3,000 |
$4,500 |
$6,000 |
| Age
Take
Action... |
Monthly
Premium |
Monthly
Premium |
Monthly
Premium |
Monthly
Premium |
|
40 |
$10.87 |
$15.26 |
$26.93 |
$30.51 |
| 45 |
$14.65 |
$20.45 |
$36.18 |
$40.91 |
| 50 |
$19.98 |
$27.95 |
$49.48 |
$55.89 |
| 55 |
$30.44 |
$38.61 |
$68.44 |
$77.22 |
| 60 |
$39.29 |
$55.01 |
$97.53 |
$110.03 |
| 65 |
$58.73 |
$82.08 |
$145.73 |
$164.25 |
| 70 |
$86.67 |
$121.03 |
$215.19 |
$242.06 |
If you have a traditional LTC policy,
you may consider adding a HomeLTC policy to modernize your coverage.
There can be a great advantage to expanding the amount of choices you
have regarding your care by giving you Home4Care to pay anyone for anything.
If your current coverage has an inflation
rider, you may want to determine the current value, contact the carrier
and ask what the premium would be if you removed your inflation option
or reduced the benefit years.
Adding a HomeLTC policy is another
way to hedge inflation or extend your coverage. Exploring this information,
with the help of a licensed professional, can help you discover if there
is any value in adjusting your coverage.
HomeLTC.org is not advocating dropping
your older LTC policy. Most policy holders would not be able to replace
their current benefits without their premiums increasing because of
their present age. In addition, during an economic storm, HomeLTC may
be an extremely affordable alternative that provides the financial means
for a family to keep their heads above water when taking care of a loved
one. It's a choice that is certainly worth exploring.
The Sandwich Generation, they loved, they cared, they gave and they sacrificed to take care of Herb
One Amazing Family This film is a story about Herbbies family who is full thrust into a sandwich generation (those are people who are taking care of their children and taking care of their parents) Herbs amazing family uprooted their lives and moved 3,000 miles to take support her father, while she and her family is in the prime time of their lives and gave it away. The kids are being given these live lessons what it means to care for someone and to come through for someone else. This is a beautiful and inspiring 3:54 sec on what a family can do when they pull together and the need to Prepare2Care. We stand and applaud this family for who they are...watch and you will see why
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Recently ABC News invited Rick and Pam Tarchinski to submit their advice when it comes to Mom and Dad For six years, Pamm’s full time job was taking care of her aging parents. Pamm was sharing with a friend one day what that meant and seeing his jaw drop, thinking “I’d keep her mouth shut before I scared him to death” He said to Pamm You’ve got to write this stuff down, so the rest of us will know what to do when our turn comes.” So, Rick and Pamm made this one- minute film called “Prepare to Care” and full length 98 minute film call “Surviving Parents” You can view its 2 minute trailer on HomeLTC.org |
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The Margaret Sweborg Story
There is a Margaret in every town The Margaret Sweborg story with New York Life Agent, Michael J. Reid, is an eye opener. New York Life’s commitment to LTC awareness is a tribute to the the company. This type of real stories helps families connect on a deeper level to the importance of LTCi. We hope that as a viewer you begin looking ahead.
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For 6 Year I took pretty much full time care of my 70 something Mother and Dad whose health was steadily decline Rick and Pamm’s DVD surviving Parents approximately 98 minutes.
This movie is for informational and entertainment purposes only.
Because of its subject matter and language, it is intended for adult viewers.
To purchase the DVD contact
survivingparents@mac.com
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Taking Care Of Your Parents Over half of all Americans say they worry about taking care of their aging parents. Katie Couric says both parties should sit down and have an honest talk about the future.
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Listen to Suzanne Mintz, president of National Family Caregivers Association, talk about family caregivers. There is an extensive body of family caregiver research available on many different aspects of the caregiving experience. You can find out more about the financial, physical and emotional impact of family caregiving as well as information on family caregivers at work and in the healthcare system in the Caregiver Statistics section of this site.
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Old Age, New Technology, and Future Innovations in Disease Management 80 million baby boomers are about to enter their peak years of chronic disease. We can see that this is a world challenge and that we will all have to Prepare2Care and with technologies changing HomeLTC policies are more suited to keeping up with changing trends in health care services for the future. Planning ahead keeps your family ahead of the curve to make sure that you manage the consequence of a chronic condition.
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Funny - For all the Baby Boomers This a great funny animation for Baby Boomers. We all need to laugh watching this you will.
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Comedy - Menopause Parking by Chonda Pierce A comedian look at Menopause parking, that's just toooo funny. A sense of humor helps us make it through. |
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