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Long Term Care Insurance News – November/December 2023

Long Term Care Insurance News – November/December 2023

Message from Tobe: LTCi specialists are committed to making sure that our insurance companies deliver on their promises.  With this mission in mind, claim time is when the rubber meets the road!  The Certification for Long Term Care (CLTC) published a very well...

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Long Term Care Insurance News – August/September 2023

Long Term Care Insurance News – August/September 2023

Message from Tobe: Rate increases are something to be aware of when considering the purchase of traditional LTCI. Unless an accelerated payment option is purchased ( a traditional LTCI policy that is single pay or a 10 pay), you would be vulnerable for a rate increase...

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Weathering Any Storm

“This article is an excellent treatise on how guaranty associations work to protect policyholders should a predicament surface that needs to be responded to.  While insurance company insolvencies are few and far between, consumers can turn to their state’s life and...

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Long Term Care Insurance News – June/July 2023

Long Term Care Insurance News – June/July 2023

Message from Tobe: “What happens if my LTCI company goes insolvent?”   This question comes up more often than you might expect.  Most of us remember 2008, so we may find ourselves paused for an echo when we consider some of the more recent distressing financial news....

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Long Term Care Insurance News – March/April 2023

Long Term Care Insurance News – March/April 2023

Message from Tobe: What does it mean to be a burden? I just finished a Zoom call with prospective clients who I will call Sally and Joe. Sally and Joe had taken care of Sally’s mother who had Alzheimer’s. They cared for her in their home for 10 long years. They were...

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Long Term Care Insurance News – November/December 2022

Long Term Care Insurance News – November/December 2022

Message from Tobe: It’s the time of year when the IRS announces the new deductibility limits for LTCI.  Thank you to AALTCI for providing this information. All of the limits for 2023 have gone up in comparison to 2022. Knowing about the deductibility of LTCI is...

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Long Term Care Insurance News – September/October 2022

Long Term Care Insurance News – September/October 2022

Message from Tobe: There are many “dread” diseases, but the ones that I’d like to highlight for this newsletter are those that are “cognitive” in nature.  When we use the term “cognitive”, we are being inclusive and not just referring to Alzheimer’s, but rather to all...

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A Shopper’s Guide to Long Term Care Insurance 2019

We believe that the best all around consumer guide for LTCI that is not state specific is “A Shopper’s Guide to Long Term Care Insurance”.  Unfortunately it isn’t updated every year so we are extremely excited that it has just been updated for 2019 and is now...

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Long-Term Care Insurance Is Not Dead

Thank you to Kerry Peabody, CLU, CLTC, for his recent article “Long-Term Care Insurance Is Not Dead” that appeared in CLTC Digest, July-September 2019. While some statistics are showing that traditional LTCI represented only 20% of all sales in 2018, our book of...

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Testimonials

Nine years ago my family and I purchased a long term care policy for my mother from Tobe Gerard. Tobe was wonderful to work with, helping us find a policy that was affordable and that provided a basic safety net for my mother. Now, my mother is 92 years old and needs to draw on her policy benefits. I called Tobe for help in navigating the claims process. She jumped right in, got things moving and my mother is now receiving needed benefits. What impressed me most about Tobe is that she not only works hard to find the best insurance products for her customers, she also cares that the policies she sells deliver on the benefits they promise.
Haynes TurkleColrain MA