Michaela Fallo: 2011

Saturday, November 26, 2011

Do You Need Long Term Care Insurance Inflation Protection

Inflation protection is the most important option to have in a Long Term Care Insurance policy. This benefit increases the daily or monthly benefit amount as well as the maximum benefit amount, aka "pool or money" over time to keep pace with inflation and increased cost of expenses. Even though your benefits are increasing each year, your premium does NOT automatically increase. LTC Financial Partners, LLC recommends you speak to a long term care insurance specialist to find out which inflation protenction best enhances your LTCi policy. In laymans terms, you should have a LTCi policy that will address the current cost of care and by enhancing your policy with inflation protection you will have a policy that will deal with the future.

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Do You Need Long Term Care Insurance Inflation Protection?

Thursday, November 17, 2011

The Impact of Needing Long Term Care

The Impact of Long-Term Care - Most people envision themselves living a long life, investing and planning throughout their working years to create a financially secure future where they can enjoy spending time doing the things they enjoy the most.

As part of your financial planning process, it’s important to understand the potential impact that needing long-term care may have on your assets, your family, and your future.
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The Impact of Needing Long Term Care

Thursday, November 10, 2011

11 Reason to Plan Ahead for Long Term Care

Planning for long term care is an easy thing to put off. Maybe you think it is too early,

or maybe you just don’t want to think about it. If you suffer a major health crisis that

leaves you dependent on someone else you’ll be glad you planned ahead. Click the link below to view article in full:

11 Reason to Plan Ahead for Long Term Care

5 Things You Must Know Before Buying Long Term Care Insurance

With over 100 companies offering long-term care insurance, one can become overwhelmed choosing the right LTCi policy and the right insurance company that fits your wants and needs. To simplify the benefit selection process, there are 5 choices that impact your premium. Click the link below to view article in full:

5 Things You Must Know Before Buying Long Term Care Insurance
Long Term Care Insurance | Kurt Lauman

Sunday, November 6, 2011

Can We Afford Not To Own A Long Term Care Insurance Policy

Long Term Care Insurance (LTCi) is designed to help you pay for LTC services that characteristic insurances won’t cover. This isn’t like standard medical insurance where it’ll pay for doctor’s visits, prescriptions and the alike. This type of coverage helps in many other ways other than just paying for care. Click Below to View Article in Full:

Can We Afford Not To Own a Long Term Care Insurance
New Jersey Long Term Care Insurance
Long Temr Care Insurance Quotes

The Importance of Purchasing Long Term Care Insurance

Medical expenses involved with obtaining services such as respite care, nursing home care and assisted living facility care can be protected by obtaining one of these kinds of policies. This policy will also be necessary in case the expertise of care management specialists are going to be required to monitor your daily activities such as bathing, going to the bathroom, eating and continence. Individuals with family members affected by cognitive impairment issues like Alzheimer’s who need special care oriented services can also purchase one of these kinds of insurance plans. Click Below to View Article in Full

The Importance of Purchasing Long Term Care Insurance
Long Term Care Insurance

The Importance of Having Long Term Care Insurance

As someone ages they begin to actualise their bodies aren’t functional quite as substantially as they utilised to. Sooner or after they module move to undergo problems with activities of regular living, and for some grouping they at some saucer have to have some resource from a woman or modify a nursing facility. These tending services are effort to be ever more expensive, and the cost of them is crescendo a aggregation faster than the measure of inflation. To be able to clear for the services lots of individuals are acquire daylong constituent tending shelter substantially before they go into a nursing facility
The Importance of Having Long Term Care Insurance

Monday, October 31, 2011

When Should You Buy Long Term Care Insurance by Kurt Lauman

Most experts recommend buying long-term-care insurance by the time you reach your 40s or 50s. The rates are lower at that age, but more importantly, you can't be locked out of the market at any time if you develop a medical condition.

Long Term Care Insurance
Long Term Care Insurance Quotes

Thursday, October 27, 2011

The Facts Are Clear about Long Term Care

Simple, concise information about Long Term Care and Long Term Care Insurance basics and...
How do Long Term Care Insurance State Partnership Programs, the Federal LTCi Program and private Long Term Care Insurance policies differ? Learn here!

* By 2030, one in five Americans will be a senior citizen. If you are a Baby Boomer, this includes you. Americans are living longer and healthier, thanks to better diet, better medical care and safer living & working environments. Yet no one is immune to the effects of aging and longevity - effects that often result in reduced physical or mental ability.

Long Term Care Insurance
Long Term Care Insurance Quotes

Wednesday, October 26, 2011

Michaela Fallo: Long Term Care Insurance, Long Term Care Insurance...

Michaela Fallo: Long Term Care Insurance, Long Term Care Insurance...: Kurt Lauman LTCFP Partner Long Term Care Insurance Specialist Home State License: WA Also Licensed In: AK, CO, TX, OK, MI, GA, SC, VA, P...

Long Term Care Insurance, Long Term Care Insurance Quotes

Kurt Lauman

LTCFP Partner
Long Term Care Insurance Specialist
Home State License: WA
Also Licensed In: AK, CO, TX, OK, MI, GA, SC, VA, PA, DE, NJ, CT, MA, NH, MD, NY, TN

Long Term Care Insurance Quotes

Long Term Care Insurance

Saturday, October 22, 2011

Long Term Care Insurance Can Be Cheaper Than Do-It Yourself Caregiving

If one of your aging parents suddenly needs help with the tasks of daily living, who will provide it? You – Loved One? “If that’s your default long term care plan,” says Kurt Lauman, Kirkland-based agent with LTC Financial Partners, LLC. (LTCFP), “be prepared for sticker shock! Your LTC services don’t come free emotionally or financially.”
Long Term Care Insurance Can Be Cheaper Than Do-It Yourself Caregiving
Long Term Care Insurance

Thursday, October 20, 2011

Long Term Care Insurance

Preserving Your Dignity for Life

Living life the way you want to. That's what independence is all about. Yet, few of us have the financial resources to ensure our independence if we need ongoing care as we grow older, or in the event of a serious illness, injury or disability which can strike at any age. That's where long term care insurance can make a big difference in preserving your independence.

Saturday, October 15, 2011

Long Term Care Insurance | Long Term Health Care

New Jersey Long Term Care Insurance New York State Long Term Care Insurance
You have found one of the single best sources of information on long term care insurance. We are a licensed insurance agency that specializes in Long Term Care Insurance. Our mission is to provide you with excellent service, helpful advice and useful resources nationwide. Find out more about Long Term Care insurance from Kurt Lauman a Long Term Care Insurance Specialist & Partner with LTC Financial Partners, LLC. (LTCFP) *Be sure to visit for FREE Online Long Term Care Insurance Quotes from the nations “Top” LTC Insurance Carriers & Official LTCI eGuide!

Long Term Care Insurance Information
Long Term Care Insurance | Kurt Lauman | LTCFP
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Long Term Care Insurance

U.S. Won’t Start Long-Term Care Insurance

Republicans opposed the so-called Class Act that created the program. It will be indefinitely suspended, Sebelius said today in a statement, because the program isn’t likely to generate enough revenue to pay for its benefits.
Democrats led by Kennedy created the plan to help people disabled by illness or accident. By paying premiums while employed, beneficiaries would be eligible after five years for at least $50 a day toward health and support services provided at home. The program was billed as paying for itself.
“I do not see a viable path forward for Class implementation at this time,” Sebelius said in a letter to congressional leaders.
Republicans celebrated the program’s demise, calling it misguided policy used as a financial gimmick to reduce cost estimates of the health law. At the time, the Congressional Budget office subtracted $70 billion from the cost of the law thanks to Class -- which stands for Community Living Assistance Services and Supports -- contributing to $143 billion in total savings, because the program’s premiums would exceed benefits over its first decade.
The program “was destined to fail in the real world,”said Senator Mitch McConnell of Kentucky, the senior Republican in the chamber, in a statement.

Long Term Care Insurance | Kurt Lauman