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

Several individuals share thoughts on why they did not want to become a burden in this LifeHappens.org video. Their stories bring out the importance of preparing for a change in health.

Since no one can say they won't "need help to get around" some points on what you gain by preparing for the unthinkable by buying a special kind of health insurance:

  • Your family member won't face the significant emotional and physical issues, which come with becoming your full time care giver!
  • Your insurance plan's benefit pool provides funds to hire and be in control of very expensive, professionals.
  • 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 the chance for frailties and/or other changes 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.

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

  • What would you like to happen?
  • Do you want to be at home to maintain as much independence as possible?
  • Could family change what they now do to come help? Would they help you pay?
  • Do you have a pile of money to pay for very expensive help to avoid becoming poor?

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.