LTC Planning

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Survey costs are "averages" only. Contact us for personalized LTC planning information.

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NEWS UPDATE:
Click here for information on why you should NOT replace your LTC insurance!

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LTC Benefits Infographic

What about LTC insurance?

LTC insurance involves a proactive plan for the future - a future that remains secure no matter what health or disability events you may face.  With LTC insurance, we can show you how to provide for your family AND your care without risking the health and financial security of those you love the most. 

Can I qualify for LTC insurance?

We can help you know if you meet the requirements for LTC insurance.  In our experience, even those who've been declined in the past may qualify for a plan with our proactive advocacy.  It is always best to buy a policy sooner rather than later.  Contact us to schedule a sales-free initial consultation to discuss the best options for your individual LTC planning needs.

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Understanding long-term care

Great news:  Americans are living longer!  Have you planned for your future or that of your aging parents or grandparents?  When you live a long life, there is a very high risk that you will need some form of long term care.  We are here to help you understand the impact that living longer will have on your income so you can live comfortably in your golden years.

First, we start with your plan

Our three-part TakeCare!(SM) planning process is designed to help you answer these questions:

1. What is your plan if you need care?
2. What will it cost?
3. How will you pay for it?

The TakeCare!(SM) process:

Educate

We will not only listen to you, but we will also educate you and ask questions so that you can educate us on your unique needs and concerns.  This is a two-way conversation.  We want to discover your personal and financial risks and help you get an idea of where you stand now, which will allow us to establish a set of goals together.

Create

Together we will create a plan to include the type and scope of care needed to achieve your long term goals, keeping in mind that we can adjust it along the way at each life stage.  The key to creating a plan is that you will be able to have a written record that defines the roles that loved ones will play in your care as well as assigned duties to professional caregivers.

Allocate

At the heart of planning for the long term is determining your income, investment and retirement resources needed to fund your plan.  We will take into account disability, health insurance and Medicare, as well as the possible use of Medicaid assistance.  We will also review your overall retirement and estate plans and discuss self-funding or family-funding options.

Long-term care planning certifications
held by Caryn Utberg:

Certified in Long-Term Care

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SCMA Insurance Consultant Bill Comfort featured on the "Aging Matters" radio show!

Bill Comfort with hosts Nicole Clagett, Cooper Linton & Jason Kong

Recording at WPTF Studios

CLICK HERE to listen to the recording!
(Bill's LTC insurance segment starts at 20:30)

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Click to go to Care Management

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