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4 Secrets to Buying Long-Term-Care Insurance

Policies are rising in price, while benefits are getting skimpier. Here’s how to get the best deal for you. For aging baby boomers, planning for long-term-care costs becomes more pressing every day. But the insurance that helps cover those costs is surging in price, while the benefits are becoming skimpier. As costs rise, health care […]

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Tactics to Make Long-Term-Care Coverage Affordable

No matter how carefully you plan for retirement, if you don’t have long-term-care insurance, a catastrophic illness could wipe out your savings. The average private room in a nursing home costs $250 per day — or $91,250 per year — according to Genworth’s 2015 Cost of Care study. The median cost of assisted living is […]

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MassMutual Demonstrates Commitment to Policyowners, Reflects Financial Strength with Record $1.7 Billion Dividend Payout

Amid instability, volatility and slow growth in the economy, company once again rises to pay all-time high dividend SPRINGFIELD, Mass., November 2, 2015 – Throughout its 164-year history, Massachusetts Mutual Life Insurance Company (MassMutual) has been committed to helping millions of Americans secure their future and protect the ones they love – providing the guidance […]

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If you have $730,000 for nursing care, you’re set

That’s the average cost for 8 years — not an unusual span for dementia patients People with dementia — especially those with Alzheimer’s disease — often live for years after reaching the point where they need 24-hour care, leaving families in an emotional, financial and logistical quagmire. Randall Kaump, with his mother, Janis Kaump, 97, […]

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IRS Announces Eligible Long-Term Care Insurance Premium Deductions for 2015

The Internal Revenue Service (“IRS”) has announced its annual cost-of-living and inflation adjustments for 2015. Tax laws require the IRS to adjust the dollar amounts of dozens of tax provisions each year to account for inflation, including adjustments for eligible long-term care insurance (“LTCI”) premium deductions. Tax-qualified LTCI premiums are considered medical expenses. For an […]

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AVOID WHEN SHOPPING FOR LTC INSURANCE

It’s a decision many baby boomers are grappling with: Should I buy long-term-care insurance? The decision has never been more difficult. According to researchers at Georgetown University and Pennsylvania State University, about 70% of individuals 65 and older will need long-term care—whether at home or in an assisted-living facility or nursing home. At the same […]

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2014 ALZHEIMER’S ASSOCIATION FACTS & FIGURES

2014 Alzheimer’s Association Facts and Figures Alzheimer’s Disease Alzheimer’s disease was first identified more than 100 years ago, but research into its symptoms, causes, risk factors and treatment has gained momentum only in the last 30 years. Although research has revealed a great deal about Alzheimer’s, much is yet to be discovered about the precise […]

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THE NEXT STEP | LTC WORKBOOK

DEAR READER: Our research tells us that most Americans significantly underestimate the cost of long-term care and overestimate how much help they can expect from Medicare to pay for it. That troubling one/two punch drives home the need to arm consumers with more reliable information on the often bewildering subject of long-term care. We didn’t […]

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LTC AND MEDICAID: PLANNING IS NEEDED NOW

Article added by Dan McGrath on January 16, 2014 Those who are taking the age-old advice of hiding assets along with income to qualify for Medicaid in order to receive “free long-term care” may want to sit down and read the fine print. Surprisingly, things have changed, and what you and your clients don’t know will not […]

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THE 2013 COST OF CARE SURVEY

Understanding the latest data and trends in the cost of long-term care (LTC) services is an important aspect of long-term care planning for consumers and LTC insurance professionals. John Hancock’s 2013 Cost of Care Survey can help individuals plan for a possible future long-term care event by providing them with the potential costs. The information […]

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