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through an Association or Group?
Here is a LTCI PowerPoint Presentation for you. (Click here)

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NEW ! Long-Term Care Information Packet
(Click here)

Most people believe that they will live a long life…into their 80’s…into their 90’s, maybe even longer. Medical advancements, better nutrition, and general awareness are allowing us to live longer than ever before…and that’s wonderful! The truth is though, there are consequences that living a long life will have on YOU and your family. More people than ever before are going through a long-term care situation (NOW) and many more eventually will go through this with themselves, their parents, relatives, and spouses. When you live a long life, it is inevitable that you (or someone close to you) will need some type of long-term care.

Did you know, today long-term care is the greatest uninsured risk Americans face?

A Sense of False Security

Many people think they have long-term care coverage when in fact, they do not!

  1. Long-term care is NOT considered medical care. It doesn’t matter if you have an HMO, PPO, Medicare, Medicare supplement, etc... -your group or individual health insurance does not pay for your long-term care needs.
  2. Disability insurance is NOT long-term care insurance. Disability insurance will provide benefits for when you are unable to work to help with your every day expenses (mortgage, car payments, utilities, etc…). Long-term care expenses will be in addition to your other financial responsibilities.

Not the Right Time to Talk About Long-term Care?

Mention long-term care to someone in their forties, fifties, or sixties, and some will say, “I don’t need it today”,” or “I’ll think about it when I’m retired…or when I’m older”. This a HUGE mistake! Finding out your options NOW is vital to maintaining your financial independence, keeping your retirement assets, and being able to have choices for your care. For those of us between ages 40-65 our lives are different from our parents and grandparents. For example, many people now STAY IN THEIR OWN HOMES when they need long-term care and “never set foot in a facility”.

Are You Considering Self-Insuring?

Have you been told by your financial advisor, “Don’t worry about it, you can pay for your long-term care”. That’s a pretty bold statement. What about Capital Gains Taxes, Incomes Taxes, and/or Surrender Charges. All of these can take a “bite” out of the “self-insuring plan”. ? Married or in a committed relationship? It may not be as simple as “paying it out of your own pocket”. Find out why. A free brochure "Self-Insure Your Long-Term Care –The Right Way”. (Click here for information )

New Long-Term Care Program for Pennsylvanians!

Like many other states, Pennsylvania will soon have a Long-Term Care Partnership Program (LTCP). This important program will allow Pennsylvanians to plan and finance future long-term care while reducing the financial strain on the Medicaid program. You need to know about this program NOW! Click here for more information.

Please, take some time and visit the rest of the website to learn about long-term care and your choices.

Thank You,
Doug Worman RHU

Doug Worman has been a Long-term Care Insurance Specialist since 1976. He represents all the insurers of long-term care. He offers a FREE PROGRAM to clubs and organizations, “The Problems and Concerns of Needing Long Term Care”. One organization after hearing the program wrote, “It was the most informative and entertaining program concerning long-term care we have ever heard”. Additional references are available. Call 800-929-2602 or email dwworman@comcast.net for more information.

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