by Vincent P. Benitez, RHU, CLTC | Mar 27, 2017
The difference between a daily and monthly long-term care benefits may seem obvious, but how it affects the client’s wallet may not be as clear. A daily benefit pays up to the maximum benefit amount each day for covered services. A monthly benefit pays up to the...
by Vincent P. Benitez, RHU, CLTC | Feb 14, 2017
Don’t let the cost of long-term care insurance dissuade you from talking to clients about this essential coverage. The two greatest financial fears of retirees are 1) being unprepared for health care costs in retirement and 2) outliving retirement income. Long-term...
by Vincent P. Benitez, RHU, CLTC | Nov 28, 2016
November, which also happens to be Long-Term Care Awareness Month, is coming to an end, but the need for long-term care insurance is not. Before we say goodbye to the month, we’d like to leave you with some important numbers. Most striking is the gap between...
by Vincent P. Benitez, RHU, CLTC | Nov 18, 2016
Clients always have a plan for long-term care expenses. Rejection of long-term care insurance or insufficient assets to self-insure for long-term care expenses comes down to expecting family members or the government to pay for care. Most people are unaware that many...
by Vincent P. Benitez, RHU, CLTC | Nov 10, 2016
Without a plan for long-term care, most retirement plans are at risk. Clients know enough about the need for long-term care to be concerned, but not enough to know how to prepare. November is Long-Term Care Insurance Awareness Month. What better time to talk to...
