Romeo Raabe
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Using Home Equity to Fund Long-Term Care

By Romeo Raabe | Oct 17, 2017

You can use your home to stay at home, or to pay for care so you can go to the facility YOU prefer. But first, why might you not be allowed to go to the facility you prefer?  Long-term care (LTC) facilities need to charge for the care they provide.  Their staff costs are significant…

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Do You Have Questions On How to Deal With Long-Term Care?

By Romeo Raabe | Oct 17, 2017

Many people do. Why can’t Grandpa give us the farm?  Can Grandma keep her life insurance?  Doesn’t Medicare pay for the first 90 days in a nursing home?  Can I give my care to my grandchild?  Can my parents pay me to care for them?  If I care for my parents, must I pay income…

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Inexpensive Insurance That Pays For Care in Your Own Home

By Romeo Raabe | Oct 17, 2017

Home care insurance that almost anyone can get.  You’ve surely heard how expensive and difficult to get long-term care insurance can be.  Now we have something new. It pays for care in your own home (where you want to be anyway).  It has only one health question – if your family were to all go…

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Will You Burden Your Children to Pay for Your Funeral?

By Romeo Raabe | Oct 17, 2017

Nobody intends to leave this bill for their children, you probably have some life insurance and you certainly have money that can pay this bill. The problem is that things change and are often out of your control.  Your health changes and suddenly you find yourself needing money to pay for long-term care, lots of…

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Come hear Romeo Speak at the Oshkosh Senior Expo October 9th

By Romeo Raabe | Sep 27, 2017

At the Oshkosh Senior Expo I will be detailing strategies for any long-term care situation.  It does not matter if you are healthy, or already receiving care. You may be quite wealthy, or poor as a church mouse.  There are strategies for every situation to help with Long-Term Care. They range from protecting what little…

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Don’t get Burned By These 5 Common Mistakes in Long-Term Care Planning

By Romeo Raabe | Sep 22, 2017

When should the spouse at home sell the house? Let’s say the at-home spouse does not want the too-big, ailing, inconveniently located, etc. house after the other spouse enters a LTC facility.  Assume they may be spending down to Medicaid impoverishment.  The home is an exempt asset for the at-home spouse.  If sold BEFORE the…

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When A Loved One Needs Care

By Romeo Raabe | Sep 14, 2017

Sometimes you know the time is approaching, and other times the hospital calls and says discharge is tomorrow and they cannot return home by themselves. Scary business. No matter how much time you have to prepare and choose a provider for home care or facility care, it is going to be expensive.  Most people run…

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Are You Wondering About Your Current Long-Term Care Insurance Policy?

By Romeo Raabe | Sep 8, 2017

What exactly does it cover?  Is the benefit still the same or has it grown to keep up with increasing costs?  Does it cover home care, or assisted living, or nursing homes, or all three?  Did the price increase?  Can I lower or shorten my benefits?  Which is better? At TheLongTermCareGuy.com we get these questions…

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I Don’t Need Long-Term Care Insurance

By Romeo Raabe | Sep 5, 2017

I have retirement income of $5000/month, my house is paid for, no loans due, and I have $600,000 in savings earning 5% interest (you wish).  I don’t need any Long-Term Care (LTC) insurance!   Let’s assume you are correct.  And let’s assume that one of you has a stroke or dementia that requires care in…

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The Long Term Care Guy