Welcome

This site was developed to help Connecticut residents understand the many advantages in having Long Term Care insurance.

Studies indicate many people buying Long Term Care insurance report it provides a sense of security and peace of mind. They also say it enables them, when help is needed, to maintain dignity. Then too, a very important reason for purchasing is because of love for family.

How does it help your family?

Plans provide a pool of money to hire the kind of professional services you want if a change in health happens and on going assistance with life activities is required. This is a huge value thus buying long term care protection means you:

• Won't be a big emotional, physical, and financial burden on family members.
• Can have choices on where you want assistance, such as in the comfort of your home.
• Will not have to use funds, from your hard earned nest egg.

Does Long Term Care insurance cost a lot of money?

The premium for this special kind of long term health insurance is based on your age when you apply and the amount of coverage you select. A big factor in the amount you pay is the high probability assistance will be needed. However, your premium is really a fraction of the cost of long term care services if paid directly. In other words what ever the premium is it's pennies in comparison to care costs so buying is a big cost savings.

Will I really need Long Term Care insurance?

Its human nature for people to believe a health change will not happen to them. Hopefully it won't. However, no one can say it won't. Facts tell us the probability of needing help is high and that professional help in Connecticut is very expensive. Then too, plan rates go up each year you wait to buy. Thus, it's very important to take action and purchase Long Term Care insurance today.

To help you understand all this, more information can be found on:

Long term care services and their costs - see the What's LTCi page.

• The value of Long Term Care insurance - see the Value of LTCi page.
• The importance of early planning - see the Value of Early Planning page
• Connecticut employers - some points to help understand the value in having Long Term Care insurance as an employee benefit is on the LTCi in the Workplace page.

Want to talk about all this? Call John C Parker [860.739.0005] It's important to begin setting up a plan today so you won't burden family and can protect your nest egg.