If your parents have long term care insurance, congratulations! They’ve taken steps to plan ahead for their future care needs, protect their retirement, and prevent your relationship from being affected. Long term care (LTC) insurance helps pay for care when your parents age or become injured and are unable to care for themselves. When an LTC event strikes, it can be difficult both emotionally and financially for families. With LTC insurance, you and your parents have more options for care. Now is a great time to find out where their policy is stored, what benefits they have, and what number t ..read more

At LTC Consumer we strive to be your number one resource for long term care planning. We offer long term care insurance education, planning assistance, and free quotes. But we also offer other resources for growing older and retiring in the best possible way for your lifestyle and budget. One of the largest expenses people have after they retire – aside from long term care – can often be housing. Children move out, maybe a spouse passes away, and all of the sudden the house seems a bit bigger. More and more retired seniors are using services to find a roommate in a similar situation and solve ..read more

The President is proposing a $400 billion Medicaid makeover, one U.S. Representative is suggesting a national, catastrophic, long-term care insurance program, and one state has passed a long-term care payroll tax to begin in 2022. Seems like people are finally paying attention to the Silver Tsunami of aging Americans headed our way, and the lack of funds and care workers to provide for them all. Is your family prepared, and your retirement protected, if something were to happen to you or your spouse and you needed long-term care? Is your family prepared for a long term care event? Many states ..read more

Getting a good night’s sleep not only improves our next day, but also improves our health. Adequate sleep improves brain function, cellular turnover, and our immune systems. It can prevent us from getting diseases and slow the aging process. We spend one third of our lives sleeping. So why does it get more difficult as we get older, and what can we do to improve our sleep quality and quantity? Why Sleep Evades the Elderly The first thing to improving sleep as we age, is to understand why we have difficulties in the first place. As we age, our brain ages as well. And one of the parts of our bra ..read more

You will never understand the importance of touch, until it is absent from your life. It’s one of the things most of us simply take for granted. It’s also one of the worst things the pandemic stole from our senior population. Shaking hands has become taboo, and hugs are absolutely forbidden. As things start opening back up, and we’re able to safely visit once again, make sure to use the power of touch with your elderly loved ones. Some seniors haven’t experienced a caring touch for over a year. Older people often live alone due to the death of a spouse and friends, and their children no longer ..read more

I’ve got a milestone birthday coming up, so I’m feeling a bit retrospective. I find myself asking a lot of people what their favorite decade has been, or what they enjoy about getting older. Some of the answers actually make me look forward to aging. After spending the first 40+ years of our lives worrying about wrinkles and grey hairs, it might be nice to just relax and enjoy nature’s show. Or after years of stressing about relationships or what sort of career path we’re going to follow, it seems that as we get older these things have a way of working themselves out. So without further ado ..read more

As of tomorrow – if all goes according to plan – we have a new president of the United States of America. And as with all potential and incoming presidents, Joe Biden has made some remarks about his plans while in office. Whether you are hopeful or pessimistic, you should pay attention as to how these plans could affect your retirement and long-term care planning goals. Now, with that being said, also remember to take any proposed plans with a grain of salt. Every president, Republican and Democrat, has failed to keep all of their promises. Herbert Hoover promised everyone would prosper and th ..read more

In a world with COVID everything is different; work, school, and now even holidays. But one thing remains the same, we still need to prepare for the future, protect our retirement, and look into long term care insurance. But what if you’ve been exposed to COVID, tested positive, or even spent time in a hospital? Are you still eligible to apply? Each carrier has a different protocol, but the good news is, yes, you are still eligible – eventually. Long Term Care Insurance Carriers For LTC Consumer’s traditional long term care insurance providers, they have implemented waiting periods as part of ..read more

Next Thursday, October 21 is National Check Your Meds Day. It’s a time to review prescriptions and supplements with a pharmacist. Participating pharmacies will remove expired medications, update prescriptions as needed, and answer any questions. It’s a good moment to review what each medication does, how it can affect you, if you’re taking it correctly, and if there’s a more cost-effective alternative. Caretaker Opportunity If you are a caretaker, or have an elderly loved one, this may be a great time to review their medications as well. As your loved one starts needing to take more prescript ..read more

Planning for your retirement can be an extremely daunting process. You almost never feel completely prepared, and you almost always feel like you started too late in the game. That’s why LTC Consumer is so excited we’ve been featured on the RetirementLiving website. Having done the research for you, RetirementLiving has resources pertaining to your health, your entertainment, and your financial stability. With our forces combined, we can make retirement planning and long-term care (LTC) planning easy, educational, and trustworthy. Best Long-Term Care Insurance RetirementLiving analyzed 20 LTC ..read more