Long Term Care Solutions | Certified Financial Planners

Long Term Care Advocacy from
Certified Financial Planner
Fiduciaries
Find Me An Advisor™

Certified Financial Planners™
Our Advisors have experience working
at UBS, Morgan Stanley, AXA Advisors
and have trained with leading
retirement planning strategist across
the U.S.

Have you ever known someone
that needed Long Term Care
Services?
If so, you may know how costly
these services can be!
Long Term Care Need

Try to guess what percentage of
people over the age of 65 require
Long Term Care Services.
Long Term Care Need

You probably think this service is
covered under your health
insurance plan, Obama Care, or
Medicare.
It's NOT!
Long Term Care Need

How much do you think Long Term
Care Costs?
Long Term Care Need

$70,000is
Today's Cost
Costs rise about 10% per year.
Long Term Care Need

So now that you know you will
probably need expensive Long
Term Care Services
Long Term Care Need

New laws have been created to
help protect citizens from massive
Long Term Care Costs.
2010 Pension Protection Act

 Self Insure and pay full price when the expenses
occur.
 Spend down your assets and qualify for
Medicaid.
 Buy Traditional Long Term Care Insurance.
 Prepay your Long Term Care Services.
 Invest in an Annuity with Special LTC Features.
 Own Life Insurance with a Long Term Care Rider.
6 Ways To Plan for LTC
Expenses

 If your like most people who have not planned for the
exorbitant costs of Long Term Care Services you will
be forced to pay for these future inflated services out
of your own pocket.
 $70,000 today could mean $140,000 in the future with
healthcare costs skyrocketing.
Please Don't Panic! Strong Solutions Are Ahead
Option 1: Self Insure

 If you spend down your assets to about $2,000
than your State will pay your Long Term Care
expenses.
 This can be a great option if you have less than
$200,000 in total assets and don't care about
leaving assets to heirs.
Option 2: Qualify for Medicaid

 If you spend down your assets to almost zero
than your State will pay your Long Term Care
expenses.
 This can be a great option if you have less than
$200,000 in total assets and don't care about
leaving assets to heirs.

But what happens to
your spouse?
As harsh as it may seem, this can be a wise time to get a
divorce so the other spouse can keep the remaining
assets.

 Buying traditional Long Term Care Insurance can
be a smart way to cover future expenditures.
 You might pay $200-$600 per month, but the
price can rise over time.
 The price is dependent upon your current age
and health.
Option 3: Buy Long Term Care
Insurance

 You must take a mini medical exam (blood & urine at
home) and they will review your past medical records.
 The earlier you get the policy the lower the price.
Why not submit an
application and review a
free quote?
Option 3: Buy Long Term Care
Insurance

Certain new Hybrid Long Term Care Contracts from
John Hancock, Genworth and Lincoln Financial
allow you to prepay your LTC at pennies on the
dollar.
Option 4: Prepay Your LTC

 At age 60 your can prepay Long Term Care
Services at about 20 cents on the dollar.
 The younger you are the more leverage you
receive.
 Your prepayment is 100% liquid, cancel anytime
and receive a full refund!

 If you never use your prepayment it is returned to
your beneficiaries at your death plus an extra
50% profit tax-free.
 If you do need Long Term Care Services you
receive about 4- 5 times leverage on the dollars
you place into the contract.

Here's an example for a person age 60:
 Prepay $100,000 into a Hybrid LTC contract.
 Receive $500,000 of LTC Benefits if needed.
 If no LTC is needed, your beneficiaries receive
150,000.
The following information is just an example and an
official illustration should be prepared for your
unique situation of age and premium.

 Prepaying for services is a great way to recoup
your premiums so they are not wasted if you
never need Long Term Care.
We cannot guarantee that you will
get sick, but we can guarantee
that you will pass-on someday;
this hybrid policy covers you for
both!
Conclusion

 You must only take a phone questionnaire (no blood
or urine required).
Why not submit an
application see if you
qualify?
Conclusion

New annuities have
special features that
also need to be
considered in this area.
Option 5: Annuity with LTC

 This new annuity also provides 250% leverage on
funds transferred into the contract.
 For example, you transfer $100,00 into the contract and
receive $250,000 for Long Term Care with tax-free
funds.
 Unique feature is you can transfer an annuity with large
gains and withdraw them tax-free for LTC.
One America Annuity

 Some new Equity Index Annuity contracts have a
home health care - doubler feature which will
double your income for five years - if you need
Long Term Care Services.
 This feature has been attracting many seniors
that cannot qualify for LTC for health reasons.
 No health qualifications whatsoever.
Health Care Doubler Feature

It's inevitable, nothing and no one
lasts forever.
 If you can buy life insurance at the right price it is a
great, efficient way to pass on a legacy to your heirs or
favorite charity.
 Certain new policies allow you to withdraw money
from your death benefit on a tax-free basis for Long
Term Care services.
Option 6: Life Insurance with
Long Term Care Rider

 One policy will allow you to pull out funds and
not submit receipts to the insurance company
allowing you to use the funds however you wish.
 Structuring the policy correctly is the key to
maximizing your benefits.
Option 6: Life Insurance with
Long Term Care Rider

To qualify for Long Term
Care Service you need a
doctor to verify that you
cannot perform two of six
Activities of Daily Living.
Qualifying for Long Term Care
Coverage

If you need help:
 Buttoning your shirt or tying your shoes, etc.
 Bathing yourself
 Feeding yourself
 Going to the bathroom
 Taking your medications accurately and timely
Qualifying for Long Term Care
Coverage

 Preparing for the future costs of Long Term Care
services is a wise move since 70% of people over
the age of 65 will require services.
 With new hybrid Long Term Care Policies you can
pay for services at pennies on the dollar.
Conclusion

As always, it is important to
review ALL your investment
options and work with fully
licensed and experienced
financial professionals.
Conclusion

If you would like to speak to our
advisors or a member of our
nationwide team please schedule
your free strategy session by calling
(855) CFP-NOWW
Or Register with us
At: http://www.findmeanadvisor.com
Free Strategy Sessions

 Find Me An Advisor™ is dedicated to provide Financial
Services in all 50 states.
 The information provided represents several
highlights of Long Term Care Solutions in general and
should not be considered specific to any one contract.
 For further illustrations, comments or questions
please contact: (855) CFP-NOWW.
Disclaimers

Contact Us At
findmeanadvisor.com
IT’S FAST, FREE & EASY
Address
1845 Palm Cove Blvd #303
Delray Beach, FL 33445
United States of America
Website: Find Me An Advisor™

Long Term Care Solutions | Certified Financial Planners

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