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Attorneys and Lawyers

Attorneys who advise clients about future financial security and concerns fulfill their professional obligation when they provide informed counsel in the area of long-term care insurance. Counsel should include advising your clients of the available funding options and consequences of not planning for the contingency of prolonged and expensive long-term care.

 

Avoid Being Sued for Negligence!

Affiliating yourself with a long-term care insurance specialist gives you the ability to offer your clients appropriate advice on whether or not they should purchase the insurance. It will also assist in determining which type of policy and plan design is best for them. The many nuances and ever changing aspect of long-term care insurance are not something you probably have time to stay on top of. Why not protect yourself and your clients by working with a long-term care insurance specialist?

Planning For Incapacity

Affiliating yourself with a long-term care insurance specialist gives you the ability to offer your clients appropriate advice on whether or not they should purchase the insurance. It will also assist in determining which type of policy and plan design is best for them. The many nuances and ever changing aspect of long-term care insurance are not something you probably have time to stay on top of. Why not protect yourself and your clients by working with a long-term care insurance specialist?

Coordinating and Insuring Your Client’s Right to Quality Care

You may be involved in assisting your clients with locating the appropriate type of care, coordinating private and public resources to finance the cost of care, and working to ensure the client’s right to quality care. Most long-term care insurance policies provide benefits that can assist you and their families with these issues. These benefits can be found in the care coordination part of the policy. A long-term care insurance policy can assist with the funding of their care to help retain quality care in the setting of their choice.

Deficit Reduction Act of 2005

  • Increasing the look-back period to qualify for Medicaid
    Increased to five years from three years.
  • Change in the Start of the Penalty Period
    Changes the start of the penalty period from the date when the transfer was
    made (current law) to the date when one applies for Medicaid.
  • Annuities
    Disclose any interest in annuities, all transfers within the past 5 years, and a
    statement as to the remainder beneficiary status.
  • Primary residences
    Medicaid will now deny benefits for applicants with homes that have
    greater than $500,000 in equity.
  • Long-term care partnership programs
    Congress has given states the right to create partnership programs.

Financial Planners Risk Lawsuits Article

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LTC 2014
Tax Guide

tax guide

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