Romeo Raabe
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Will You be Among the Many Not Welcome at Assisted Living Facilities?

Mar 27, 2018

So why would you or your loved ones be Not Welcome at Assisted Living Facilities? It’s not personal about you or your looks, it’s your ability to pay for the care they provide.  Most Americans cannot afford to pay $5000 a month for hands on care or $8000 a month for dementia care (dementia care…

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Planning Smart for Your Clients’ Senior Caregiving Duties

Mar 6, 2018

“Planning Smart for Your Clients’ Senior Caregiving Duties,” by Brian O’Connell, InsuranceNewsNet Quote: “Investment advisors who really want to help clients maintain a healthy cash flow plan need to address a burgeoning issue – the financial burden of caregiving for seniors. ‘While some may make a living caring for others, millions of caregivers nationwide provide…

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When Someone You Know Needs Help and Care

Mar 5, 2018

It happens to many of us as we age, there comes a time when we need help with day to day living activities.  Often it is help with shopping or tasks around the house. Hopefully our children live nearby and have the time to come help out.  But what if the help needed conflicts with…

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A Different Need for Long Term Care Insurance

Feb 13, 2018

People used to purchase this insurance to prevent them from spending all their hard earned nest egg paying for Long Term Care (LTC).  That is still a reason but there is a much more urgent reason to have this insurance when it comes to Medicaid. When your assets have all been drained paying for care,…

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LTC Insurance Only Does 2 Things (OK, Maybe 3)

Jan 16, 2018

Long Term Care (LTC) Insurance can’t prevent the need for care, but it’s a big help dealing with it! The first thing Long Term Care Insurance does is prevent you from going broke.  LTC is very expensive.  A nursing home is well over $100,000 a year.  Forget the Money Magazine charts and surveys of “median”…

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5 Tips to Make Long Term Care Insurance Cost Less

Jan 16, 2018

To determine a price we need to first determine how much, or rather how little of it you need.  We have been doing nothing but LTC planning now for 25 years and we’re happy to share with you 5 tips that will help you make Long Term Care Insurance cost less! Here are 5 Tips…

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What is wrong with Medicaid?

Jan 11, 2018

Why is Medicaid a terrible thing if you need long-term care? Long-term care used to be a simple thing.  We got older and needed some help, our children took care of us.  Remember Ozzie and Harriet?  She had the time and the space to have parents move in.  She was a homemaker in dress and…

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YES! You can get Long-Term Care Insurance Regardless of Health

Dec 21, 2017

Have you been declined for LTC insurance?  Did you not even try assuming (incorrectly) that you can’t get it because of your stroke, Parkinson’s, Alzheimer’s, bad knee or hip, diabetes, etc., etc., etc.? YES! You can get Long-Term Care Insurance Regardless of Health! Perhaps you worked with someone who only dabbles in LTC insurance on…

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How Care for Elders, Not Children, Denies Women a Paycheck

Dec 21, 2017

Why did women’s rush into the work force stop? Policymakers have been vexed by the question for years. Social scientists have discussed the sudden stop for over a decade, in conferences and academic papers. Almost 12 years ago, I gave the topic a shot in the pages of The Times: why, after a five-decade rise, did the labor-force participation of…

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The Long Term Care Guy