If you've been declined for coverage, or think you can't get coverage
Many of my clients were told they could not qualify, but now they have coverage. There are solutions for nearly every situation, and health. Alternatives are not more expensive, but may offer less years of coverage.
Please don’t give up and resort to spending all your money when you could spend an insurance company’s money when care is needed!
70% of us are expected to need Long Term Care in our lifetimes.
If you don't want to burden your family with this care, investigate options with us.
You have two options for long term care...
Use up all your savings or long term care insurance.
Don't go broke, investigate options with us!
Stay in your home, not a nursing home.
Learn how a Long Term Care strategy can be the difference between being on Medicaid in a nursing home versus top quality care at home. Investigate options with us.
Many people don’t realize that, in addition to traditional health care, Medicaid actually pays for most long-term care (LTC) in the United States. In fact, less than 40% of Medicaid dollars are used to pay for traditional health care. The small portion of Medicaid recipients (just over 20%) whose long-term care services are paid for…Read More
Long term care is very expensive. Few people are prepared for the cost when they determine they need care. Fortunately, there are ways to deal with the bills even if you do not have much money. Medicaid requires beneficiaries to spend all savings and other assets down to impoverishment before they will pay for care.…Read More
You may have heard that Long Term Care insurance (LTCi) premiums can be tax deductible. But (and there is always a but), there are restrictions. LTCi premiums are fully deductible on your Wisconsin income taxes, regardless of whether you itemize taxes, how much or how little your taxes are, or whether you have enough other…Read More
You May Not Need As Much As You Think
There are strategies to help people planning in advance while still healthy. Strategies for those not healthy enough to qualify for Long-Term Care insurance, and even strategies for those already in care or in a facility, making money last longer, or protecting some of their funds for their final expenses. All done without making you go broke. Protect your hard-earned money!
If you have been declined for coverage, or think you cannot get coverage
Many of my clients were told they could not qualify, but now they have coverage. There are solutions for nearly every situation, and health. Alternatives are not more expensive, but may offer less years of coverage. Don’t give up and resort to spending all your money when you could spend an insurance company’s money when care is needed.
Are you planning to pay out of pocket for care?
What if I could make 2 years of your money last for 5 years of care - without buying insurance? A special savings account pays only 1.75% interest rate, but after exhausting it paying for care, you get over double your account value extra to pay for more Long Term Care. If care is never needed it is always your money in your account which you can withdraw it at any time and leave it to your heirs.
Learn How to Protect Your Money with An Irrevocable Funeral Trust!
- Learn how Funeral Trusts can protect some of your money from nursing care costs
- Use our Free LTC Calculator to plan for Long Term Care out of pocket
- Visit our Blog for Up-to-Date LTC Information
- For more info on Long Term Care,visit the U.S. Department of Health and Human Services' website
Approximately 1 ½ years ago, you had called regarding my mother’s insurance (Phyllis). I told you that we had put her in a nursing home and sold her condo. I was referred to Romeo, The Long Term Care Guy to help with proceeds of the sale of her condo.
Romeo was able to put all of the proceeds in burial trusts for my mother and all of her kids. I was little skeptical at first – wondering if the state was going to come back at me for the money, but he assured us that he had an attorney that would fight it if that happened.
Well it worked! I filed with the state after the sale and they never questioned it. She didn’t have a lot but it was something that in a way she was able to give back to her kids.
It was a difficult, very confusing time and I had no idea where to go – thank you so much for caring enough to make the suggestion! I’ve been wanting to let you know the outcome for a long time and recently saw your advertisement in the Howard Suamico newspaper and it minded me to do so.
I have been in the insurance industry for 36 years helping my clients with their insurance needs. But if they are in need of Senior planning such as Long Term Care Insurance, Funeral Trusts or other Seniors planning strategies I call Romeo because of his vast knowledge and expertise in this area.
He is a great resource and will present additional ideas that help my client and also earn me additional commissions!!!
GOEBEL Insurance & Financial
Fond du Lac WI
Romeo has been helping our clientele for over 30 years. He is professional, energetic and very knowledgeable, not only with Long Term Care but with burial trusts to help save family monies. My last client sold her condo and all that money would have gone to the nursing home if it wasn’t for Romeo setting up family burial trusts. I will always highly recommend Romeo Raabe.
James R. Lenz
G.H. Lenz and Associates
2225 Velp Ave
Green Bay WI 54303