Today's culture requires a critical proactive review of your risks for this possible financial risk. This coverage has become one of the most misunderstood insurances that few seem to properly fit into today's cultural context.  Long Term Care makes it possible for persons to receive care in their own home when they need assistance with the physical needs of life instead of watching their assets and their life disappear as they become dependent on others.  They could also be forced to live out their days in an unchosen nursing facility and end up penniless. LTC provides a better way.

   Reviewing these points will assist you in purchasing the right plan for your needs at the right price and at the right time in your life. This information can assist you with understanding the possible issues you should consider as you plan for your senior years and the security of your assets for your retirement years and beyond, your legacy.

   Understanding for Long Term Care and its affects on your assets is critical as you formulate your plans for your senior years and the legacy you desire to leave. Please click your mouse or press the enter key to advance the presentation. When you click the download word it should download and run aumatically for you.  Try copy and pasting the address in the address line of your internet browser. If it still does not run you may need to load the Powerpoint viewer file. The views comes included if you have Powerpoint with your MSoffice Go to our home page and choose that menu option at the bottom Internet Tools we have included the Powerpoint Viewer for download free for our clients.  Call toll free if you need help (877) 471-7997  email dphelps@phelpsfinancial.com  

   We believe this coverage deals with one of the most potential destructive risks to your financial assets. A client that understands the terms and procedures is able to make the most informed decision for this area of financial risk.  The most cost effective benefits we suggest include, a 90 day elimination period, the calendar day elimination, the 5 year benefit period (since the national average is 3 to 4 years), the spousal waiver of premium, and the 2x inflation protection to keep the plan proactive in caring for your needs.

  

The critical factors to review as you pick a quality company to work with included, financial strength, services, and quality of products.  We have chosen to offer our clients the best Allianz, the leader in the LTC industry with A++ ratings financially and who offer the flexibility with their products and benefit that allow us to offer plans with benefits that meet your needs without breaking your budget.

   May we present Long Term Care with Allaniz a very flexible company that provides many choices to help meet your specific needs as you prepare for your senior years without breaking your budget. Please click the blue bar above to review the short presentation as well. For a quote please complete our quote form and return to us at dphelp@phelpsfinancial  We look forward to serving you with effective choices that can meet your needs without breaking your budget.

   To request a Long Term Care quote please complete the included form and return to us at dphelps@phelpsfinancial.com   issues ages 18 to 84 for qualifing persons.  Discounts are offered when both spouses apply at the same time plus and added discount for those of an approved endorsed group. Your current health and age can also affect your premium. Premiums are tax deductible as for most other health premiums. 

  

Associations can qualify for a 5% group discount rate with two or more units are purchased. The same would be true for employers when two or more units are purchased. These can be employer paid or employee paid with no added cost for the employer or association.  Please note the plans offered by us are qualitfied plans which offer a tax deduction as do most other health plans. Please confer with your tax professional before factoring this benefit into your tax return. 

  

To better understand the services provided by Long-Term care please note  http://www.medicare.gov/LongTermCare/Static/TypesOverview.asp   To assist with choosing the correct Long-Term Care plan and benefits for you  http://www.medicare.gov/LongTermCare/Static/StepsOverview.asp