Welcome

John C Parker's experience, when parents needed long term services, resulted in a commitment to help people prepare for a similar situation! John's recommended solution - buying Long Term Care insurance in Connecticut is the most effective way to prepare for the problem of needing on going services.

Why is it recommended? Because people who bought report they gained a sense of security plus peace of mind. In addition, they knew, since they had Long Term Care insurance they won't become a big burden on their spouse, children, or other family members.

Bottom line - because of love for family they did not want loved ones to face the emotional, physical, and financial burden of having to be their care giver! Then too, Long Term Care insurance keeps people from becoming poor.

How does Long Term Care insurance protect your family!

When a person buys, what might be called long term health insurance, they have a pool of money available to hire needed but very expensive professional help. Because it's there it offsets their fear of "what would I do". Having access to these funds, which are guaranteed means:

• Family members won't be burdened since help can be received where and when the person wants. Usually in the comfort of home.
• Depending on the size of the benefit pool selected money will be there to pay for some or all needed services. This means their savings nest egg won't be quickly used up.

These short videos show the value five individuals received from this special kind of protection. 

Will I really need long term services and support?

Some things we know about the big risk assistance will be needed tomorrow or later in life from frailties and the consequences to an individual and their family:

• 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.
• The consequences are significant because when family members are care givers for a long period they would be impacted emotionally, financially and have a higher chance of developing chronic conditions themselves.

People don't want to think about needing help. Why? They think they will live on having fun, their health will not change, and then one day they will just die.

On the other hand natural changes do take place as we get older, such as developing frailties, so no one can say they won't need help. Then too, we all know various people who did need help so it's important to think about - what do we want to happen if we don't just die. Some useful questions:

• Do you want to receive assistance at home? If so how can this be accomplished?
• Who in your family could change what they now do and come to help?

• Would moving in with family work?

What's the best way to prepare for needing help?

Taking action today and buying Long Term Care insurance!

     Note: A couple years ago many people may of thought they would just pay, if an unexpected need for help develops. Today savings and home equity are lower so they have fears about what their finances will be in the future. Consequently, spending some money today to buy Long Term Care insurance in Connecticut means finances can be protected.

Does Long Term Care insurance cost a lot?

The main factors, which determine the premium for this special protection, are your age and health at the time you buy. plus the size of the benefit pool you select. The amount of premium is also affected by:

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

Bottom line - whatever the premium will be it's just pennies on the dollar in comparison to the large amount of funds, which would be needed, to pay for assistance directly! The special tax deduction for Long Term Care insurance also lowers the cost!

Acting and buying early is important. Why?

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

These additional pages bring out information about long term services and support; what this special protection can mean to you and your family; and why it's the most economical and effective way to pay for high cost professional 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 information on the Connecticut Partnership for Long Term Care, resources about long term services, and the value to residents of Long Term Care insurance.

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