Long Term Care Solutions

The greatest threat to individuals’ retirement security is the cost of long term health care – costs that can exceed a million dollars from care for a severe injury or a stroke, or diseases such as Parkinson’s, Multiple Sclerosis, and Alzheimer’s.

Though 7 out of 10 Americans will need some type of long term health care after they reach age 65 – and 30% of them will need care for 5 years or more - relatively few individuals are insured against the risk of being forced to spend down their retirement income and liquidate assets to cover health care costs.

However, there is no reason for anyone to self-insure this risk to retirement income today. New long term care insurance strategies offer tremendous advantages that:

Refund insured’s premiums if they never need care.
Can make premiums tax deductible for professionals.
Enable employers to pay tax-free compensation to selected employees for the purchase of long term care insurance.
Enable individuals to reduce their estate taxes and transfer wealth.
Offer professionals the attributes of a municipal bond fund.
Enable employers to significantly increase employee participation in group insurance plans through the use of a powerful educational component and personal counseling.

Additionally to help eliminate this danger to your, and your employees’, retirement programs, we have created the LTC insurance strategies that:

Convert long term care insurance into an asset rather than an expense.
Reduce the maximum cost of long term care insurance to an interest factor.

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