The DI and LTCI Blog - Your Source for Sales Tips and Advice

When and How to Address the Long-Term Care Topic with Clients

Posted by Vincent Benitez on Thu, May 30, 2019 @ 10:05 AM

If your clients had a 70 percent chance of experiencing an event that could wipe out their retirement savings, would you talk to them about coverage? If the answer is “YES,” you need to talk to your aging clients about long-term care insurance.

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Topics: long-term care, long-term care insurance sales

What Will Long-Term Care Cost Your Client’s Estate?

Posted by Vincent Benitez on Fri, Nov 18, 2016 @ 09:11 AM

Clients always have a plan for long-term care expenses. Rejection of long-term care insurance or insufficient assets to self-insure for long-term care expenses comes down to expecting family members or the government to pay for care. Most people are unaware that many states have two available options to recover long-term care expenses.

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Topics: long-term care

Four Reasons Your Clients Need Long-Term Care Insurance Now

Posted by Vincent Benitez on Wed, Nov 11, 2015 @ 14:11 PM

As an advisor, you know it’s never too early for your clients to start planning for long-term care expenses. Retirees’ greatest concerns are the cost of health care and outliving their savings. Long-term care insurance sits at the intersection of both those fears. Use these rationales to encourage clients to apply for coverage. The best time to apply for LTCi is now.

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Topics: long-term care

It’s Long-Term Care Awareness Month – Here’s How to Get the Conversation Started!

Posted by Vincent Benitez on Mon, Nov 2, 2015 @ 15:11 PM

The threat of long-term care weighs heavily on the minds of many Boomers and their adult children. Boomers are often concerned about how long-term care expenses could drain their assets. Likewise, adult children worry about their parents’ ability to cover the expense of long-term care.

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Topics: long-term care

Annual Reviews – The Perfect Opportunity for LTCi Education

Posted by Vincent Benitez on Thu, Sep 18, 2014 @ 10:09 AM

Are you conducting annual reviews with at least some of your clients? The annual review, used successfully by many professionals, is not only a forum for reviewing product portfolios, protection levels and investment performance; it’s also an ideal time to educate clients.

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Topics: long-term care insurance, long-term care, LTCi, long-term care insurance broker kit, long-term care client education, LTCi education

Filial Responsibility: What You Need to Know

Posted by Vincent Benitez on Tue, Aug 19, 2014 @ 10:08 AM

A few years ago, the U.S. Census Bureau published a report called “The Next Four Decades,” showing how elder demographics are expected to change between 2010 and 2050. In short? They’re expected to grow. (A lot.)

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Topics: long-term care insurance, long-term care, filial responsibility, paying for long-term care

Long-Term Care Insurance: Even the Stars Need It

Posted by Vincent Benitez on Mon, Jul 7, 2014 @ 07:07 AM

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Topics: long-term care insurance, long-term care, long-term care providers

Study reveals that families bear the burden of long-term care costs

Posted by Vincent Benitez on Tue, Jun 17, 2014 @ 17:06 PM

As baby boomers retire in growing numbers, the need for long-term care services is exploding. Unfortunately, many of those retirees are finding out too late that long-term care is more expensive than they realized. They’re also discovering that public programs like Medicare don’t cover long-term care beyond the post-acute phase, and qualifying for Medicaid is challenging.

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Topics: long-term care insurance, long-term care, financial planning

Year of long-term care more expensive than year at Harvard …

Posted by Vincent Benitez on Thu, Apr 24, 2014 @ 09:04 AM

Does the term “long-term care” make you think of nursing homes? Then you might be surprised to learn that for most people, long-term care refers to services and support provided in the home or in a community setting. In fact, according to a recent PBS NEWSHOUR article, nearly nine out of 10 Americans who need long-term care get that support from family members or friends who volunteer. And there are plenty of other facts about long-term care that might surprise you.

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Topics: long-term care insurance, long-term care, long-term care insurance quotes

The Medicare Myth: Does It Cover Long-Term Care?

Posted by Vincent Benitez on Mon, Feb 10, 2014 @ 16:02 PM

Surprising, but true: most insurance brokers don’t have the facts on Medicare, not when it comes to long-term care insurance. We’d like to fix that. We hope you'll find this information useful as you're educating your clients about their long-term care insurance options.

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Topics: long-term care insurance, long-term care, long term care insurance quote, medicare and long-term care