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Colorado Long Term Care

                       

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(719) 591-0433




 

 


 

 

 

 

 

 

 

 

 

 
Colorado Long Term Care Insurance

 

Long Term Care insurance helps to protect your assets and prevent you from becoming dependent on family and friends for your care, by paying the expensive costs of your long term care (LTC) at home, in adult day care, in an assisted living facility or in a nursing home.  Nursing home care now costs over $50,000 per year in most locations.  

 
Coverage may also include household chores, laundry, meal preparation, shopping, transportation, caregiver training and more.  Coverage is available for a fixed number of years or for life.   Long term care insurance is available with features such as spousal discounts, group discounts and guaranteed rates.

 

Term life and universal life insurance products are available which include long term care benefits, so that you will receive the life insurance benefits even if you never use the long term care benefits!

 

Long term care insurance policies typically require that you need assistance or supervision with 2 or more activities of daily living (ADL's) or you have a cognitive impairment.  ADL's include:

    • eating

    • bathing

    • dressing

    • transferring

    • toileting

    • continence


If you are over age 50, we recommend that you include long term care insurance as part of your total financial plan.  We can run a free quote for you.  

 
Call Jerry Lucas, independent insurance agent/broker, dba Advisor Insurance Services in Colorado Springs to discuss your long term care needs and the long term care needs of your parents, spouse or other family members.  

 

Click here for a FREE Shopper's Guide to Long Term Care.

 

Note: On February 8, 2006, President Bush signed the Deficit Reduction Act of 2005 (DRA) into law.   The DRA includes a number of significant changes to the Federal Medicaid eligibility rules, particularly regarding transferring your assets and look back periods.  You should discuss the current Medicaid eligibility rules with your advisor when planning for long term care. 

 


Notice: Colorado Life and Health Insurance Protection Association limited coverage for Colorado residents

DISCLOSURE AND RELEASE:  If you are a client or prospect and do not accept our offer to run a free quote for LTC insurance, your action shall be considered as a decline of our offer and a decision not to purchase LTC insurance.  You understand that if you should decide to buy LTC insurance in the future, that the cost of insurance may be higher and unaffordable, that you may develop a medical problem that may cause your application to be declined, or to be accepted only at a higher cost or with limited benefits, and you accept all risks of your decision, and release us from all liability.  You also understand that if you do not have LTC insurance, you may deplete your savings and estate to pay for long term care, and you may have no assets left to pass on to your heirs when you die.  Your heirs may wish to help you pay for LTC insurance, to assist you and to help protect and preserve your estate.  We recommend that you consider this matter carefully and discuss it with your family members, heirs and future caregivers.

 
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Copyright © 2007-2009 Advisor Insurance Services.  All Rights Reserved.  AdvisorInsuranceServices.com is a trademark of Advisor Insurance Services. AdvisorFinancialServices.com and Advisor Financial Services logo are trademarks of Advisor Financial Services (LLC)         Last update 12/12/09 11:28 AM
Advisor Financial Services (LLC) is a fee-based Colorado Financial Planner, Financial Advisor, Registered Investment Advisor firm located in Colorado Springs, Colorado.
For assistance or more information, please call Jerry Lucas at (719) 591-0433 or Toll-Free at (888) 758-9654 or send email to Jerry_Lucas@msn.com
  Webmaster: Jerry_Lucas@msn.com
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