KIRKLAND, Wash. /eNewsChannels/ — Today LTC Financial Partners, LLC (LTCFP) announces a free service to help consumers learn about the financial risk of needing long-term care someday, and how to manage the risk. The service blends the best of technology with the best of humanity: real, live advisors on the phone. It’s a simple two-step process:
STEP 1: The consumer goes online to use a Cost-for-Care calculator that displays the going rate for care in their state or metropolitan area. The calculator shows costs per day, month, or year for care in a nursing home, assisted living facility, adult day care center, or one’s own home with a health aide.
STEP 2: The consumer then places a call to a local advisor to learn their options for managing the costs through LTC insurance.
“Step 1 is likely to blow people’s minds,” says Denise Gott, National Sales Manager and Chairman of the Board of LTCFP. “Most people have no idea how expensive care can be. It’s through the roof now and likely to be in the stratosphere years from now when they need it.”
Step 2 may be an eye-opener too, but in the opposite direction, according to Gott. “Most people have no idea how affordable LTC insurance premiums can be, especially if they shop around and sign up early.” When consumers call one of the participating advisors, listed below, they first answer questions about their age, health, state of residence, financial situation, and care benefits they want. The advisor, who is a licensed agent specializing in this coverage, then responds by supplying costs for policies from competing carriers. “Rates can vary widely depending on the carrier and other factors,” says Gott.
The calculator, supplied by one of the carriers LTCFP represents, is available at http://www.johnhancockltc.com/individual/cost-of-long-term-care-calculator/ .
The participating advisors are (by U.S. State):
CA: Jim Valentine — 408-792-0540
CA: Todd Stein — 415-861-5088
CA: Sarah Fisher — 510-230-4301
CA: Paula Taylor — 510-763-5002
CA: Laura Weber — 714-674-0190
CA: Jeffrey Flanzer — 805-701-0085
CA: Sandra Stanley — 888-316-8919
CA: Phyllis Solgere — 909-627-5587
CA: Petra Petry — 949-351-0347
CA: Michael Scoles — 408-264-1759
CT: Leonard Wik — 860-432-1870
CT: Steve Foss — 860-539-0674
CT: Larry Golfin — 860-677-4075
FL: Janet Washburn — 239-404-7590
FL: George Braddock — 305-378-8091
FL: Jerry Grubba — 727-515-1910
FL: Strother Hammond — 813-215-1524
FL: Mike Rou — 904-276-9583
GA: Amy Pollock — 404-237-1189
GA: Belen Hickman — 404-245-2444
ID: Linda Hicks — 208-331-2803
IL: Bobbi Foster — 630-513-0034
IL: Cheri Davis — 773-531-0669
IL: Robin Frank — 773-774-2600
IN: Kirk Bennett — 260-969-1310
MI: Marybeth Bayer — 734-222-9882
MI: Tom Varner — 810-796-2405
MN: Jennifer Ragborg — 952-898-2750
MO: Keith Eisberg — 573-303-3007
MO: Wendy Rinehart — 816-886-2358
NE: Larry Neuwirth — 308-635-2023
NE: Larry Heinert — 402-339-8643
NJ: Gary Melnikoff — 201-265-1958
NJ: Richard Landau — 201-476-0880
NJ: Michael B. FitzPatrick — 973-968-3394
NY: Ronald Brie — 212-799-3900
NY: Michael Robinson — 516-612-4936
NY: Ray Donnelly — 516-747-1809
NY: Gene Cutler — 516-869-6767
NY: Jay Charno — 516-935-4029
NY: Jennifer Lenihan — 631-262-7167
NY: Susan Lenihan — 631-262-7167
NY: Sheila White — 631-893-4040
NY: Dana Dee — 716-983-1316
NY: Virginia Lee Kintz — 866-582-6074
NY: Steve Brefere — 914-234-7767
OH: Pattianne Baran — 216-409-0859
OH: John Cullen — 419-797-9210
OH: Thomas Hodges — 513-519-6010
OH: Brenda Gray — 513-541-3968
OK: Samuel Walker — 405-816-0868
OR: Diane Steeves — 503-297-7677
PA: Anthony Camill — 412-445-6171
PA: Ted Soslow — 610 642 3332
PA: Cathy Allen — 610-588-0852
PA: Kevin Bressler — 610-783-6970
SC: Pamela Loesch — 843-856-4141
TN: Mark Wardell — 901-337-4146
TN: Teresa Will — 931-619-1852
TX: Madeline Wade — 214-295-8926
TX: Kat Roebuck — 281-431-4033
TX: Kim Beckham — 361-579-9663
TX: Kay Nettles — 713-466-4614
TX: Bill Holland — 817-283-7221
VA: Penny Gilbert — 703-281-0914
VA: Patricia O’Neill — 703-534-3255
VA: George Polizos — 757-291-8505
VA: Michael Zuchowski — 757-467-1354
VA: Joel James — 757-478-5819
VA: Linda Sotirion — 757-646-6820
VT: Tod Warner — 802-985-4930
WA: Lucille Smith — 206-877-3456
WA: Helen Boyer — 425-557-5372
WA: Christine Khemis — 888-582-5364
WI: Lynette Schiefer — 920-434-4559
WV: Deborah Bailey — 304-744-0111.
For states not listed above, consumers may ask any advisor for rate information in other locations.
LTCFP (www.ltcfp.com) is one of the nation’s largest and most experienced agencies specializing in long-term care insurance and related financial products. The company is a co-founder and sponsor of the “3 in 4 Need More” campaign, which seeks to alert Americans to the long-term healthcare crisis, and to multiply the number protected by long-term care planning.
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