Long Term Care

**How Likely Are You to Need Long Term Care?**

Of people who reach the age of 65, 70% need Long-Term Care at some point before they die. In other words, unless you die before you reach retirement age, you will probably need Long-Term Care.

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What is Long-Term Care?

Long-Term Care is a variety of services intended to help a person cope with a loss of physical or mental functioning.

It can include medical treatment, skilled nursing care, and various kinds of therapy provided by health care professionals, but it more typically involves assistance with performing basic functions and supervision provided by nonprofessional personnel such as home health aides or by informal caregivers such as family and friends.

Schedule an appointment with Alvin Lynn to learn more.

Who Needs Long-Term Care?

Individuals need Long-Term Care if they have:

a functional impairment (an inability to perform basic functions required for a person to take care of themself)

a cognitive impairment (a condition such as Alzheimer's disease that results in confusion, disorientation, impaired judgment, or memory loss and makes close supervision necessary)

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Understanding Long Term Care
Services & Settings

Long Term Care Services Includes:

Personal Care

Services like assistance with dressing, walking and often provided in the home

Alvin Lynn offers Long Term Care with Supervisory Services

Supervisory Care

Non-medical daily living services and can be provided 24/7.

Skilled Care

When more intensive Nursing and Rehabilitation services are necessary

Long Term Care Is Provided in a Variety of Settings

Including:

The Home

It's always preferred but not always optimal

Community Sites

Includes places such as adult day care centers

Residential Sites

Assisted living & Continuing Care Retirement sites

Facilities

Includes Nursing homes and board and care homes

It also includes services such as transportation, delivered meals, and respite care.

Long term care is of increasing concern to Americans as the need for it grows. Long-Term Care planning is an essential part of the Holistic Retirement process.

To learn more about this process, call to set up an appointment or send us an email.

What You Need to Know

The costs vary between Long Term Care (LTC) insurers; some plans may have discounts, and plan acceptance is based primarily on health conditions and differs from plan to plan. Understanding the choices of products available can help you determine which type of insurance strategy is right for you.

You want to work with an experienced and knowledgeable professional who stays current and can help you understand the options, benefits, and affordability Long Term Care Insurance has to offer.

AVAILABLE COVERAGE OPTIONS

Long Term Care Insurance

Comprehensive coverage to protect your assets and family from future long-term care needs. Pays for care at home, in assisted living facilitites and nursing home. Multiple risers available including a 10-Pay option.

Linked-Benefit LTC

A hybrid life insurance policy can be used during your lifetime for Long-Term Care. If you never need care, the asset passes to your estate as a tax-free death benefit. Return of premium and cash indemnity are available.

Long-Term Care Annuitites

A deferred annuity combinng a fixed interest rate and possible indexing strategy with Long-Term Care benefits. Tax-free 1035 exchanges are possible from existing annuitites or life insurance. Premiums will not increase.

Short-Term Care Insurance

Limited benefit plans may be a good fit if your're uninsurable due to age or pre-existing health conditions. Can also be used to cover the elimination period of traditional Long-Term Care Insurance plans.

Life Insurance Policies

Explore universal, whole life and term to help determine the best life insurance for your situation. The most affordable is term, but it doesn't have the guaranteed growth of whole life.

Group LTC Insurance

Group Long-Term Care insurance plans can offer simplified underwriting, 100% tax deductible premiums for C-Corporations and more.

Is Long-Term Care Insurance Right for You?

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Who We Are

Alvin Lynn has been providing insurance since 2013.

The Alvin Lynn brand is a veteran owned and operated independent life and health insurance agency.

The Alvin Lynn Team are insurance professionals. We specialize in Medicare Planning, Medicaid Planning. Long Term Care Planning, and Retirement Solutions Planning. It is our pleasure to collaborate with other trusted advisors outside of our field of expertise to customize a realistic and attainable plan for you. If your goal is to stay retired and not have to return to work because of a lack of money, then understanding and implementing a Holistic Retirement Plan is essential to your overall retirement strategy.

You have a choice to enjoy financial security regardless of market volatility. Our mission is to guide you to financial wellness, by helping you experience freedom from debt, a lower tax burden, and a safe and predictable income now and in retirement.