We all dread the time when we may need some assistance due to not being able to manage on our own anymore.  It happens to others, but surely, not us.  We are never prepared when a loved one needs help, and then we find out how expensive such care is.  … Read more...

I met a couple this weekend at a farmer’s market who purchased LTCi from me years ago.  They thanked me and hoped they never have to use it.  They also told me of a friend who is now in a nursing home and I explained that I can often still protect some of their money once they are already in a care setting and spending down to Medicaid.
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