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John C Parker's experience several years ago, with parents needing long term services and support, resulted in a commitment to help people prepare for this situation in the most effective way! John's recommed answer? Buy Long Term Care insurance in Connecticut since it the best and most economical way to pay for the help you need and want.

Many people, who own this very important and special kind of health insurance, report love for family was their most primary reason for buying. People also report having a sense of security plus peace of mind after buying knowing they won't become a big emotional, physical, and financial burden on their spouse, children, or other family members.

How does Long Term Care insurance protect your family!

When a person buys this special insurance their plan creates a guaranteed pool of money. Having these funds offsets their fear of needing help since:

• Professionals can be hired so family members won't be burdened by having to help with day to day activities. Then too, assistance can be received where and when wanted, such as in the comfort of home.
• Money is there, depending on the size of the benefit pool selected, to pay for some or all needed services. This also means their savings nest egg won't be quickly used up.

These short videos show the value five individuals received from this special coverage.

Will I really need Long Term Care insurance?

It's human nature to believe your health will not change. On the other hand the risk of needing assistance is high, whether it happens tomorrow or later in life from frailties, so no one can say they won't need help. Some points about needing help:

• The American Society of Aging (ASA) reports 60% to 70% of Americans 65 or older will require long term services and support at some time.
• An individuals family is impacted in a significant way emotionally when they have to be care givers for a long period. There is also a financial impact on care givers.

The more important question to think about is - where will funds come from to pay for very expensive but needed assistance?

The answer! Take action today. The premium to buy Long Term Care insurance will be small in comparison to the size of the pool of funds, which is normally set up to grow large over time, available to pay for professional assistance.

     Note: A couple years ago many people may of thought, if an unexpected need for help develops, they would just pay. Today savings and home equity are lower and people have fears about what their finances will be in the future. Thus, spending some money for Long Term Care insurance in Connecticut to protect these finances is even more important

Does it cost a lot?

The premium is based on your age and your health when you buy plus the size of the benefit pool you select. The amount of premium is also affected by two big factors:

• First - professional long term services and support are very expensive in Connecticut, some of the highest in the country.
• Second - the probability is high, as the ASA reports, help will be needed.

Bottom line - whatever the premium is it will just be pennies on the dollar in comparison to the amount of funds, which would be needed, to pay for assistance directly!

Buying early is important. Why?

• Your costs will be lower since premiums are higher each year you wait to apply.
• Your chance of a good health discount is better.
  Note: The applications of over 70% of people between age 45 to 54 were approved.

The information on the following pages brings out points on why this special protection is the most economical and effective way to pay for high cost help with day to day life activities:

• What's LTCi summarizes what long term care is and what these services cost.
• Value of LTCi brings out what you and your family gain by having Long Term Care insurance.
• Value of Early Planning highlights why planning and taking action early to protect your family is important.
• LTCi in the Workplace brings out the value Connecticut employers gain by having Long Term Care insurance as an employee benefit.
• Learn More has links to various resources on long term services and the value of Long Term Care insurance.

Want to protect your family and your savings nest egg? Call John C Parker today. [860.739.0005]