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One stop shop to help you with your Short- and Long-Term Care Planning to Protect against Medicaid and a Care Event by Les Robinson CLTC

One stop shop to help you with your Short- and Long-Term Care Planning to Protect against Medicaid and a Care Event by Les Robinson CLTC

The LesLTC process is proudly to announce the availability of the first of its kind to provide one-stop shop on all the issues that are encompassed within short- & long-term care planning to Protect against losing your Retirement Money to Medicaid and Nursing Home Event

Look for one of Les Robinson Seminars for 2019 at www.lesltc.com to Protect against losing your Retirement Money Medicaid or Care Event

With 10,000 Baby Boomers turning 65 every day, how did you plan to protect your retirement money from Medicaid?

Learn how to Protect and Preserve your retirement money from Medicaid by Les Robinson CLTC

For the elderly the need for long-term care is probably the most catastrophic unexpected event that could happen. This is because the need for long-term care typically removes any level of security an elderly person may have with the three major lifestyle concerns mentioned below.

Short-Term Care Event

Like long-term care insurance, short-term policies typically cover home care, assisted living and nursing homes when you can't take care of yourself. But instead of paying for years of careshort-term care insurance, also known as recovery care, typically provides benefits for 12 months or less

What is Short Term Care Insurance

The typical Short-Term Care insurance policy provides coverage for 1 year or less. For many people, this is a very appropriate and affordable amount of coverage. It is true that some long-term care claims last for many years, however, almost half (49%) of long-term care insurance claims LAST ONE YEAR OR LESS.

Many of the policies have a 0-day deductible (Elimination Period) and can have up to 30-day Elimination Period and a full year of benefits. Simply, that means the policy pays on the very first day one qualifies for benefits. Most traditional long-term care insurance policies (about 94%) are sold with a 90-Day Deductible that must be met before benefits are paid.

It is important to know that these policies can pay in addition to Medicare -- something a traditional Long-Term Care Insurance policy is prohibited from doing.

In fact, most people only know long term care in its traditional format and are wholly unaware that today's solutions cover, but aren't limited to:

 At a Les Robinson Short- & Long-Term Care Planning Seminar

Learn new ideas to protect more of your retirement money

-life insurance annuity products

-combination products

-reverse mortgages

-executive carve-outs

-Short-Term Care Insurance

-Long Term Care Insurance

-robotics and the role of AI in care giving

-Medicaid Planning

debunking Medicaid/Medicare myths and more

-homecare saving

-How to develop an LTC budget

With the need for long-term care the older person:

1. Loses independence

2. Has experienced a loss of good health

3. Uses up remaining assets and income

No other late-life event can be as devastating to the lifestyle the elderly are so concerned about maintaining. No wonder many elderly care recipients withdraw, become angry and suffer from severe depression.

Call Les on a free Medicaid Review Analysis to protect and preserve your money from Medicaid 1-800-875-0140 or get a quote or a free review at 
www.lesltc.com

If living longer is one of the great success stories of medicine and lifestyle changes, failing to plan for later-life care is one of the great failures. Relatively few people have any kind of plan for how they will take care of themselves or their spouses in old age. And even those who have been thoughtful are not likely to have set aside adequate resources to provide care that can easily top $100,000 a year.

The average cost for Long Term Care

The national average cost for a nursing home runs into over 8,500 to 14,000 a month. The average cost of home care is about 20 dollars an hour.  This could be, depending on the state in which you live. With the average length of stay for current residents in nursing homes is 18 months Further, many patients require post-acute institutional skilled or custodial care, which could add hundreds of thousands of dollars to the bill. Remember custodial care is home care which is not covered by Medicare or Medicaid

Key Topics:

 How to review your Long-Term Care Policy and maximize your benefits

 How to handle the claim process

 Avoiding losing your assets to Medicaid

 How to review your legal plan

 How to review your insurance and financial plan

 How to understand basic tax planning

 How to plan with a Special Needs Child in your care

 How to run a family meeting

·         life insurance annuity products

·         combination products

·         reverse mortgages

·         executive carve-outs

·         What is a Short-Term Care Event

·         What is a Long-Term Care Event

·         How to plan for a Short-Term Care Event

·         How to plan for a Long-Term Care Event

·         robotics and the role of AI in care giving

·         debunking Medicaid/Medicare myths and more

 How to reduce cost in your Long-Term Care Event

Call Les on a free Medicaid Review Analysis to protect and preserve your money from Medicaid 1-800-875-0140 or get a quote or a free review at 
www.lesltc.com

 

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