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

Several people, in this two minute LifeHappens.org video, explain why they did not want to burden family. Listen for what they say about the importance of preparing for a change in health.

No one can say "a health change won't happen to them". Thus, if these things are of interest to you:

  • Not having a family member face the significant emotional and physical issues, which come when they become your full time care giver!
  • Being able to hire professionals to provide assistance.

Buy what I like to call a special kind of health insurance. Buying means you are insuring your income and savings nest egg in case on going help is needed.

Many comment - Why should I buy?

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 when in good health today, living longer means the chance of developing frailties in your later years and/or having a change in health goes way up.

Second - 60% to 70% of Americans 65 or older will need help at some time according to the American Society of Aging. Then too, the National Health Interview Survey in 2010 found - 28% of men and women age 45 to 64 have two or three chronic conditions. Thus, even individuals in this age range need to think about and plan for requiring help.

Many said the need for help was "unexpected". To be prepared in case an "unexpected" health change does happen ask yourself questions such as:

  • What would you like to happen?
  • Do you want to be home and maintain as much independence as possible? Do you have a pile of money to pay for very expensive help?
  • Could a family member change what they now do to come help? Would your family 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 insuring your savings nest egg and income.


Isn't Long Term Care insurance expensive?

Not in comparison to paying for professional help yourself!

  • No matter how much the premium you pay in advance is it's just pennies compared to how much of your income & savings would be used up if you were to pay directly for all the help you would need.
  • The premium amount vs the big risk of needing help is much lower than the premium vs risk for insurance on your home or a car.

The cost is also reduced some since Long Term Care insurance provides you a special age based tax deduction.

Bottom line — Buying means you — will Not Burden Family — you are insuring your Income & Savings — will Be in Control of the living situation you want.

Helping Connecticut residents.

Surveys report insurance is confusing, frustrating, and overwhelming.

John works as a resource to increase understanding of the value individuals and their families can gain. Discussions will be on what they would like and the flexibility in plan benefits, which are available to meet their interests.

In addition, your questions will be answered and we will discuss:

» The importance of taking time to think about what you want to happen "if" a change in health happens.

» Using cost sharing to control plan cost!

» How buying provides certainty or peace of mind and eliminates the worry and hoping "it won't happen".

These pages were developed and are regularly updated to share the insights of a professional advisor so you can make informed and effective decisions on Long Term Care insurance (LTCi). Page highlights:

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.