Spending time today planning to protect your assets from the high expense of long term care makes sense.

Three Stages to Long Term Care Planning

	Physical planning		Simply stated it means doing everything you can to take good care of yourself. Eat right, exercise, take your medications, review your family history, and take full advantage of preventative screenings.
	Emotional planning		Telling your family what type of care you want and for how long is not easy. But it is easier to do it today, when you still can have input.
	Financial planning		How do pay for long term care??? Do nothing and hope for the best... Self insure with current assets... Spend down your assets to the poverty level and let the government decide how and where you receive care... or transfer the risk to an insurance company.

NOTE REGARDING STATE LONG TERM CARE PARTNERSHIP PROGRAM:
Depending on the benefit level you purchase, you may be eligible to participate in a program authorized by your State that will allow you to keep assets equal to the amount of benefits paid by your policy and still qualify for State assistance. For example, after you receive $200,000 in “LTC CASH” benefits, you can keep $200,000 in personal assets to pass on to your family or charity, before receiving State assistance. This assumes you meet the State's eligibility requirements which include purchasing a long term care policy that includes an inflation rider. Click here to see if your State participates in this program.

Call us at 888-373-4774, to discuss the details of how this important planning tool can help preserve your hard earned assets.