A large majority of people indicate they do not want to burden family members if they need help getting around.

The reason several people did not want to burden family are shared in these LifeHappens.org videos. Suggest listening - they bring out points on why it was important to them to prepare for a change in health.

Preparing for the unthinkable is important. Why? No one can say they won't "need help". When you buy a special kind of health insurance:

  • Your family member won't face the costly impact and significant emotional and physical issues, which come with becoming your full time care giver!
  • The amount of funds you selected for your insurance plan's benefit pool are there so you can hire very expensive professionals and be in control.
  • Some of your financial nest egg will be protected.

Many say I don't think I'll need long term services! Why take action?

First - significant medical advances have occurred over the years. This means:

  • On the positive side people living longer will have more time to enjoy life.
  • On the other hand, even though in good health today, the chance for frailties and/or other changes in health goes way up when living longer.

Second - 60% to 70% of Americans 65 or older will need help at some time according to the American Society of Aging.

Many said then need for help was "unexpected". To avoid the unexpected ask yourself questions such as:

  • What would you like to happen?
  • Do you want to maintain as much independence as possible in your home? Is there a pile of money to pay for very expensive help?
  • Could family change what they now do to come help? Would they help you pay for professionals?

Have a Question?

You found information and need help figuring out what it all means! Call John today -

(860) 739-0005

for answers and to talk about the values you and your family gain by owning this important kind of financial protection insurance.


Isn't Long Term Care insurance expensive?

Not in comparison to paying professional help yourself! Paying a premium for this special kind of health insurance is the most economical approach:

  • No matter what your premium is it's just pennies on the dollar compared to all the funds needed to pay for help yourself.
  • Then too, the premium cost vs the big risk of needing help is much lower than the cost vs risk for insurance such as on a home or a car!

Paying a premium for Long Term Care insurance is the most economical approach and provides a special age based tax deduction.

Bottom line — Buying means you — will Not Burden Family — can Protect Savings — will Be in Control of the living situation you want.

Helping Connecticut residents.

John C Parker helps individuals understand how preparing for a change in health » provides certainty » is a step toward achieving what they want to happen » can protect some of their nest egg.

These pages were developed to share a professional advisor's insights and resources so individuals can make informed and effective decisions on Long Term Care insurance (LTCi). They are regularly updated:

Additional insights are posted periodically on the Long Term Care insurance in Connecticut blog


John C Parker, has achieved professional designations as a Long Term Care Insurance professional and a Registered Health Underwriter. John is licensed to conduct business in CT (644135) and RI (1058420) and does not solicit or sell in other states.

This site shares insights from extensive involvement in professional associations, industry conferences, working with leading Long Term Care Insurance organizations, and individual research. These pages do not advocate a specific company or plan.


Insightful advice - no cost to you.

John C. Parker

John’s commitment to helping individuals prepare, in the most economical way, for needing help with day to day activities is rooted in parents needing long term services.

Call Now for a Free Consultation [860.739.0005]


Free Little Book

The ABC's of Long Term Care Insurance

Connecticut residents - send a note to receive a copy of this useful little book written by Phyllis Shelton. It can help determine if Long Term Care insurance is right for you and your family.

eMail John for a free copy »

Call John today - (860) 739-0005 - we can visit; answer questions; and there will be no pressure. The meeting is free too.