Welcome

John C Parker's experience, with parents needing long term care services, resulted in a commitment to help people understand the many positive consequences they and their family gain when they buy Long Term Care insurance in Connecticut. John believes it is important for individuals to understand:

How Long Term Care insurance protects your family!

It's a pool of money, guaranteed to be there if expensive on going assistance is needed, so your family and you:

• Can hire professionals to help with day to day activities and you won't become a big emotional, physical, and financial burden on family members.
• Can receive the assistance you need when you want and where, such as in the comfort of your home.
• Will not have to use your hard earned nest egg to pay for help, which is the most expensive approach.

Does it cost a lot?

Your premium is based on your age when you apply and the size of the benefit pool you select. The amount is also affected by two big factors, First - professional assistance in Connecticut is very expensive, some of the highest in the country. Second - the probability help will be needed is high. However, whatever your premium is it's really a big cost savings in comparison to the cost of paying for assistance on a dollar for dollar basis. It amounts to pennies on the dollar!

Another point about premiums. Taking action and purchasing Long Term Care insurance today is highly recommended because the rate will be higher for each year you wait plus your chance of getting a good health discount will be better.

Will I really need Long Term Care insurance?

Its human nature to believe a health change will not happen. Hopefully it won't! But no one can say it will or won't. It's important to understand:

• The risk of needing expensive long term care services is high, whether tomorrow from an unexpected "Life Happens" medical situation or later in life from frailties. This coverage means you won't burden family plus it pays for needed assistance.
• Taking action is very important in today's economic situation to protect your savings nest egg, especially when many people have lots of uncertainly about their finances.
• People often indicate the most important reason for buying was because of love for family. Plus those who buy report it gives them peace of mind and a sense of security.

The important question then becomes - if help were to be needed - where will the funds come from to pay for help?

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

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