Rate Increase – What Do I DO?!
So you have a rate increase letter and possibly even an “offer” to reduce benefits. We have seen this frequently of late with Genworth [...]
Top 10 Long Term Care States
The American Association of Long Term Care Insurance (AALTCI) publishes data each year on the state of long term care insurance in the [...]
Washington Cares Fund – A tax to pay for care
2021 was a strange year in the long term care insurance world – driven mostly by the state of Washington. Washington passed a one-of-a- [...]
Is It Time?
The sandwich generation has never felt the pinch of “sandwiched” than when we are caring for seniors in our lives. The situation gets w [...]
Long Term Care Insurance and Taxes
As the old saying goes, “you can’t avoid taxes.” You can, however, be smart about your deductions and mechanisms for paying premiums th [...]
Long Term Care Insurance Rate Increases
This has been the topic of the year, I think. We have had more conversations this year with policy holders on this topic than any previ [...]
Paying Home Health Care with a Long Term Care Policy
Often our clients have a long term care policy with which they expect to pay home care help using payroll services. While this may soun [...]
UNUM and CNA – are these long term care insurance policies any good?
Every time I am asked if a policy or company is “any good”, I always hesitate on a response. I never know what other people mean by “an [...]
Long Term Care Rate Raises
We have fielded quite a few questions of late about rate increases on long term care insurance policies. Some of the larger companies ( [...]
Is John Hancock still a good company for long term care?
I struggle to answer this question when I get asked because I don’t know what people mean by “good”. So let me field a few ways that I [...]