Joe on Insurance

May 14, 2014 | Joe Sperling

happy seniors

Long-Term Care from A to Z – Part 12

OK, we’ve covered a lot of territory together. To wrap up this portion of our journey, let’s assume you would qualify for an LTC insurance policy. A logical, and often asked, question is: Why should someone buy an LTC insurance policy that might never be used?  A very reasonable question. The straightforward answer is both reasonable […]

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May 7, 2014 | Joe Sperling


Long-Term Care from A to Z – Part 11

If by now you are a little concerned that you may not qualify for LTC insurance because of age or medical history. I’m sorry.  It is just the reality of the LTC marketplace.  But don’t despair (at least not yet). There are some alternatives. What you can do if you can’t get LTC insurance:   […]

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April 30, 2014 | Joe Sperling

photo seniors with thumbs up

Long-Term Care from A to Z – Part 10

Faithful readers by now should be asking: How do I get LTC insurance? First, get educated. The best way to learn about the carriers offering coverage, the plans being offered and the options from which to select the features that are most attractive to you, is to have a conversation with an insurance broker who specializes […]

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April 23, 2014 | Joe Sperling

Thinking woman

Long-Term Care from A to Z – Part 9

Although the popular perception is that LTC insurance is very expensive, the reality is that it is not as costly as one might expect, especially when considering the benefits provided by the coverage. Perhaps more important, the cost of coverage pales in comparison to the cost of care. Many of you know Suze Orman, or […]

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April 16, 2014 | Joe Sperling

Time slips away

Long-Term Care from A to Z – Part 8

At this point, let’s assume we agree insurance makes sense. The next logical question is: When should we get LTC coverage? The short answer is as soon as possible.  Premium rates are based on the age of the applicant. The older one is at the time of application the higher the premium. With older applicants, there is […]

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April 9, 2014 | Joe Sperling


A Lesson In Caring

A very recent story in the Washington Post focused a bright light on the concept of caring. The story is a springboard to take a look at caring on many levels. In the Post story, we learned about a husband and wife, both 72 years old, who in lived in a Prince George’s County neighborhood […]

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April 2, 2014 | Joe Sperling

I can see clearly now...what I want.

Long-Term Care from A to Z – Part 7

One of the great fears experienced by seniors, right after (1) falling and (2) running out of money, is losing control over their life. How does LTC insurance reduce this fear of losing control? The presence of LTC insurance allows the insured to control where care is provided (usually home is preferred) and when nursing […]

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March 25, 2014 | Joe Sperling

Will it be enough?

Long-Term Care from A to Z – Part 6

So far, we’ve covered a basic definition of LTC, discussed Alzheimer’s disease, examined  what it takes to be a caregiver, how to prepare to need care, and why planning for LTC is so very important. Hopefully, there is universal acceptance of the fact that getting necessary care may be extremely, even crushingly, expensive. Now we […]

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March 18, 2014 | Joe Sperling

Photo by Dominik Golenia

A Cautionary Tale

What is your single most valuable asset? It’s not your house, your car, your artwork or your jewelry. In fact, it’s your ability to earn an income. Without that, everything else may never have come to be, or may be lost. If you think I exaggerate, take a look at this chart: Potential Earnings to […]

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March 11, 2014 | Joe Sperling


Long-Term Care from A to Z – Part 5

By now, if you have been keeping up with these posts, you kind of understand the basics of LTC. Are you ready to tell me: Why is planning and preparing for LTC so important? You probably have a pretty good idea, but let me go first.                     […]

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