While it’s a common belief that designing affordable Long-Term Care (LTC) coverage may prove difficult, if not impossible, there are ways to ensure manageable costs. An LTC insurance policy is only as expensive as you make it. Flexibility in plan design and product features enables this coverage...

When you meet with your clients to fill out a Long-Term Care application you are faced with asking tough questions.  At times, not all clients feel comfortable telling you which medications they are on or why, or how much they weigh. As an agent, it is your job to be thorough when completing the application...

As baby boomers enter their retirement years, many mistakenly assume government programs will meet their future Long-Term Care (LTC) needs.  But both Medicare and Medicaid have limitations and may undergo significant changes in the face of the growing federal deficit. Now is the time to start having...

Who will need it and for how long, how much it will cost, the state of the long-term care insurance marketplace, and the toll on caregivers. If there's a single unsolved problem in the retirement plans for many middle and upper-middle-income adults, it's what to do about long-term care costs later in life. Very...