Welcome!

What’s your plan for living a l-o-n-g life?

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?

Self-insuring sounds like a plan, but in many cases there is no “real” plan. Most people that are thinking they will self-insure, do not set up a reserve. They just look at their assets and say, “I have enough, I’ll cash in some funds”. However when they do that, there will be Capital Gains Taxes, Incomes Taxes, and/or Surrender Charges in most cases. All of these can take a “bite” out of the “self-insuring plan”. There is a better solution for most people. Find out TODAY, what steps many people are taking to solve their long-term care concerns. A free brochure "Self-Insure Your Long-Term Care - A Way to Make It Work” is now available. (Click here for free brochure)
You will learn:

  • Two (HUGE) Common Misunderstandings!
  • What a Self-Insuring Plan Must Do to Work!
  • Avoid the Biggest Mistake Self-Insurers Make!
  • Married? Additional Concerns You Must Know!
  • And More...

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.

Remember there is good news and there is bad news:

The Good News: We are going to get to live a l-o-n-g life.

The Bad News: We are going to get to live a l-o-n-g life.

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 namrow@comcast.net for more information.

Let's Get Started!