America’s Baby Boomers, 76 million strong, are now entering their retirement years, and about 70% of them will require long-term care, according to the U.S. Department of Health and Human Services. “Most aren’t ready for this,” says Les Robinson of LesLTC, “but we’re here to help.”
Baby Boomers are those born in the United States from 1946 to 1964. They’re now between 54 and 72 years old. “That’s the stage when senior disabilities start to kick in,” Robinson says. “Millions are entering this danger zone, unprotected, every year.”What if you’re just thinking about getting a policy? “Take the tax angle into account,” Robinson says. “Find out if Uncle Sam might, in effect, pick up part of the tab.”
“The problem is,” Robinson continues, “most Americans are ill-prepared to pay for long-term care, which is generally not covered by regular health insurance or Medicare.”
“We’re facing a senior health tsunami,” Robinson continues. “Think of it, 53 million who will soon need help with tasks of daily living such as eating, toileting, and moving around. They need help planning for it.”
Robinson company offers easy access to a wide variety of financial planning help:
- Long-term care insurance policies from multiple carriers,
- Annuities with tax-advantaged LTC features,
- Life insurance policies with LTC riders,
- Critical illness insurance,
- And additional protections including education about LTC needs and referrals to care services.
The company’s assistance also includes special options for employee and association groups.
The advisory process couldn’t be simpler. “There’s no need for extensive reading, Internet searching, or in-person meetings,” says Robinson. “It starts with just a brief consultation on the phone or the Internet with one of our agents who specialize in the various LTC solutions products.”
The professional learns more about a person’s health, assets, family situation, and objectives. Then the professional lays out customized solutions that fit the individual’s circumstances. When appropriate, the professional does additional research, consults other experts, and gets back to the client. “We think people will quickly gain confidence in our professionals’ knowledge, impartiality, and personal concern,” says Robinson.
Early access to insurance is advisable, since younger, healthier people command lower rates, Robinson points out, since younger, healthier people command lower rates; and once disabilities surface, the person may no longer be able to buy a policy.