1. Over 2k a Day, 82% Survive, Medicare Doesn’t Pay

    Over 2,000 people a day have a stroke in the United States and the majority of them survive.  Here is what the U.S. Centers for Disease Control and Prevention has to say from a statistical perspective. Approximately 795,000 people suffer a stroke each year in the U.S. On average someone has a stroke every 40 seconds in the U.S. About 600,000 of these are first attacks with the remainder recurrent…Read More

  2. Client of the month: Limited Pay, Asset Based, Lifetime Benefit

    Husband 52 and Wife 50 wanted a long-term care plan that was paid for before they retired.  They also wanted to make sure there was value in the plan should they not need care but wanted unlimited protection should they need care. We structured a plan with 10 guaranteed level payments of $18,734. Meaning after the 10th payment, the plan is paid in full and no further premiums are due.  The plan …Read More

  3. He’s Your Uncle, Not Your Sugar Daddy

    For some reason, the majority of Americans believe Uncle Sam is going to take care of them when they end up in a long-term care situation. A recent survey by the Nationwide Financial Retirement Institute found that over 70% of affluent baby boomers (income over 150k) believed that Obamacare will fund the costs of long-term care.  Neither the Affordable Care Act nor Medicare will pay for long-term…Read More