Medicare Premiums & Deductibles Changed for 2012 The new year brings more changes, with some Medicare numbers going up (bad?) and others going down (good?). For example: 1. Basic Part B premium is now $99.90/month. For most, this is a $5.5Doctor and Patient0 jump. For others, who turned 65 in 2010 or 2011 and paid [...]

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This booklet outlines the top 75 tips, facts, and strategies when planning for Medicaid in Florida. 65+Facts+to+be+a+PDFvar docstoc_docid=”99709851″;var docstoc_title=”65+Facts+to+be+a+PDF”;var docstoc_urltitle=”65+Facts+to+be+a+PDF”; by Tom Willoughby, JD is a Long Term Care planning expert. He also offers fee-based Medicaid Crisis Planning when LTC events are imminent. He is based out of Oviedo, FL and can be reached at [...]

by Tom Willoughby, JD The government sponsored Long Term Care Insurance program ends before it begins One of the jewels in the ObamaCare health care overhaul was the “CLASS Act”. Don’t bother trying to remember what those letters stand for, since it is toast. Kaput. No Money Appropriated In September, the Democrat-controlled Senate Appropriations Committee [...]

Do you think 5% compound inflation protection in a Long Term Care policy is good enough? A new report says medical costs are up 8% this year (with CPI flat!), and will rise 8.5 percent in 2012. Link It looks like even the best available inflation protection in most individual LTCi products isn’t enough to [...]

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The rate action guide contains an overview of the reasons John Hancock is seeking a massive rate increase on inforce LTC policies, outlines options for policyholders, and contains answers to frequently asked questions.

John Hancock just announced a MASSIVE rate increase on individual long term care products. Read on for the full announcement.

One simple approach can help your clients plan for long term care, provide a death benefit, and give them a risk-free exit strategy if they change their minds. MoneyGuard Reserve from Lincoln National is a universal life product with long term care benefits, a death benefit, and a “no questions asked” money back guarantee.

Show your client how real the potential effects of long term care expenses could be on his or her portfolio. Continue reading for a four-step process that will help your clients understand the true impact of the decisions they make today.

Interesting Long-Term Care Trend: Boomers Are Insuring Their Parents Financial advisors have long touted to clients the benefits of buying long-term care insurance. While the recession has possibly motivated clients to listen to these benefits more than ever, they aren’t new. What is new is who clients are buying long-term care insurance for their parents. [...]

For agent or broker use only. Not for use with the public. Join us and find out! With so many clients nearing retirement age, the need to help protect their retirement assets against long-term care costs is greater than ever. I’d like to tell you about Lincoln MoneyGuard® Reserve Reserve, a universal life insurance policy [...]

In 2006, the Pension Protection Act of 2006 (PPA) was signed into law. In addition to sweeping changes to the laws controlling pensions and retirement plans, the PPA also amended the laws surrounding long-term care insurance. This guide contains frequently asked questions about the taxation of long term care insurance, and changes made by the [...]