In 1992 California became one of four states that started offering long-term care State Partnership programs. Simply put, the partnership program rewards individuals who purchase a qualifying long-term care insurance plan by allowing them to protect assets from Medicaid spend-down rules. The Robert Wood Johnson Foundation (RWJF) is the nation’s largest public health philanthropy and […]
History of the State Partnership Program Read More »
People are often surprised by the process involved in putting a long-term care insurance plan in place and often wonder why it takes so long to get an approval. Here is a quick review of what the process looks like. When you complete and application and apply for a long-term care insurance policy, the insurance
It Takes Patience For An Approval Read More »
Many financial advisors look at asset based long-term care plans as a financial product that competes with your financial investments. Otherwise, what is the rate of return the financial advisor can get on your money versus depositing it with the insurance company? The truth is, asset based long-term care plans are not like your other
They Don’t Compete…They Protect Read More »
Here are some questions we get on a regular basis from people who are considering long-term care planning: Why do I need to get long-term care insurance today if I’m healthy? Why can’t I just wait so I don’t have to start paying premiums today? Won’t I save me money in the long run if
The Cost Of Waiting Read More »
123 Advisors owner Brian Ott hosts a weekly radio show covering all aspects of long-term care.
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