5 Long-Term Care Stats That Will Blow You Away

My Comments: As someone with more years under my belt that I like to think about, dealing with the potential costs of long term care is never far from my mind. We all know that sooner or later the light will go out, but none of can be sure it will go out quickly. And …

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Don’t Fall for These 10 Long Term Care Insurance Myths

My Comments: Bad things happen to good people from time to time. One of the bad things is that as we age, we tend to need more and more care from others to get us through the day. At some point, if you are still alive, it may be necessary for a professional to help …

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6 Things No One Ever Tells You About Retirement

My Comments: Here are six interesting observations about life in retirement. Depending on your circumstances, I might not list them in this order, but they are all valid. I like to think each of us has three major phases of life; childhood, adulthood, and retirehood. ( not a word but you get the idea… ) …

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Paying for Long Term Care with a Hybrid Life Insurance Policy

My Comments: Long Term Care and the associated costs have become an increasingly obvious existential risk faced by people in retirement. We’re living longer and longer and despite our best efforts, we tend to become more goofy and less healthy as we age. If we can no longer function on our own, of if we …

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Guess How Many Seniors Say Life Is Worse in Retirement

My Comments: After 40 plus years as a financial/retirement planner, I’ve lost count of the number of people who, as they approach retirement, ask whether they’ll have enough money. Or the corollary, when will they run out? If you expect to have a successful retirement, ie one where you run out of life before you …

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New Options in Long-Term Care Insurance

My Comments: Aging gracefully is not easy. When getting up in the morning is a struggle and you can’t remember if you’ve brushed your teeth, there may be a looming bump in the road. Dr. Gloom here again. I suppose there is value in denial. At least I hope so. Couple that with both the …

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What’s Killing The Long-Term Care Insurance Industry?

My Comments: This was written almost five years ago. During these years, every reader today is almost five years older and while the world has changed dramatically, the demographics are still with us. Among the existential risks we all face is what is known as a Long-Term Care, or LTC event. Before we all die, …

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