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Insuring for Caregiving in America



It’s been said that “A man must protect his own.”  If you’ve ever known anyone who needed help caring for themselves, you can certainly understand this statement.

In April, 60 Minutes aired a highly emotional story of a happy, healthy and productive couple who experienced the devastating impact Alzheimer’s had on each of them.  It takes you through their story from the wife’s diagnosis in her 60’s, to its final stages 10 years later.  Their story really cuts to the core of why planning for a long-term care event is so important, not only for those who need care, but for spouses, other family members, and friends in the mix.  A quality long-term care plan should include everyone who will handle the ongoing aftermath.  Watch their heart-breaking story below . . .

60 Minutes:  Following a Couple From Diagnosis to the Final Stages of Alzheimer’s

There are more than 65 million caregivers in America sacrificing their own finances, careers, and health, taking care of ill, disabled or aged family & friends; 16 million provide care for people with Alzheimer’s or dementia.  It would be interesting to know how many discussions were held in advance with each family about their plan for care.  Visit Family Caregivers Alliance for more stats on caregiving in America.



Our Insurance Insights™ on LTC Planning- Taking The First Step is designed to help educate your clients on the issues surrounding long-term care, the impact it can have on family and friends as caregivers, and the importance of having a planning conversation with your family.  This tool helps set the stage for your clients’ long-term care plan, and we’re here to further assist you if insurance is needed to fund that plan.



Traditional Long-Term Care Insurance (LTCi) companies continue to be challenged by pricing errors of the past.  Last month, a top rated A++ insurer announced its state filing to raise rates by an average 77% for approximately 54,000 policyholders, many with lifetime benefit policies purchased in the early 2000’s.  Fortunately, insurers today are working hard to re-price traditional LTCi products for better future rate stability, by correcting many of the pricing errors of the past.  It may seem on the face that newer traditional products are less attractive, but in the long run they may provide greater predictability.

It used to be that if you wanted a lifetime LTCi benefit, the best option was traditional LTCi, but most of those products were eliminated as the LTCi industry reset.  Along the way other benefits were also eliminated such as death benefit and a cash back option.  Today’s typical LTCi consumer is in their mid-50s, most interested in LTCi benefits that provide income, flexibility, and not subject to “use it or lose it” risk.  “Hybrid” combo products address many concerns of today’s buyers, but not all of them.  Newer to the industry is an insurer offering a traditional stand-alone LTCi policy for those wanting affordable or flexible premium options, lifetime benefits, a death benefit and cash back availability.  This is an attractive plan when long-term care income is a primary concern over the need for life insurance.  Younger buyers wanting it all on tight budgets, can benefit from this type of offering.


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