Long-Term Care Insurance

One of the most common objections people have when considering long term care insurance is also one of the most understandable: “What if I pay premiums for years and then never need long term care? Did I just throw all that money away?” It’s a fair question. You’re being asked to pay for something you […]

When people think about protecting their assets and passing them down to future generations, life insurance is often the first product that comes to mind. It’s a familiar concept – if something happens to you, your family receives a payout that can help them cover expenses, pay off debts, and maintain their quality of life.

November is Long Term Care Awareness Month, a reminder that planning for the future is not only about saving for retirement or managing investments. It’s also about ensuring that you and your loved ones have access to the care you may one day need. Long term care insurance is designed to protect both your health

Your Family May Be There For You if They Can – But Can They? One of the best benefits to having a close, happy, functioning family is that you are all there to support each other at your toughest moments. As parents get older, often there is an understanding that the responsibility for caring for

Here at Long Term Care Resources – Pacific Agency (LTCR Pacific) we emphasize to our clients that long term care insurance (LTC Insurance) is not a luxury. It is the best way to make sure you are receiving not just the proper amount of care when you’re in need of ongoing support – but also

Why Your Long-Term Care Insurance Benefits Might Shrink Over Time (And How to Prevent It) Long term care insurance is critically important, and – as we wrote about recently – the recent Medicaid cuts are yet another example of how important LTC Insurance is. Long term care insurance is one of the only ways to

The insurance market and the overall economy may be separate entities, but they can still interact with each other. For example, the recent bill passed by congress has included *significant* cuts to Medicaid, and while it’s not yet clear how many seniors will be affected (many of the cuts are to those under retirement age),

Some people see long term care insurance as a luxury. But it is often a very important part of someone’s future. It is not only about how difficult it is to pay for long term care, which is increasing in price every year. It is also that long term care insurance protects your assets, and

Statistically, at some point in a person’s life, they’ll need some form of long term care. While we hope that day is far away, those that have long term care insurance likely will, eventually, need to access it – often at a time in their lives when they’re not working and, potentially unable to care

When we’re younger, we depend on our parents not only for financial support, but also financial advice. They’re often the ones that remind us to get health insurance, or explain concepts like life insurance. But as we get older, we often need to be the ones to support our parents and help them make better