KIRKLAND, Wash. /eNewsChannels/ — Today LTC Financial Partners LLC (LTCFP) announces the availability of “true cost” estimates for long term care insurance policies from multiple carriers. According to LTCFP, the actual out-of-pocket expense of any LTC policy is usually less than the stated premium. Why?
“For one thing, Uncle Sam offers tax deductions that have been going up every year,” says Jonas Roeser, LTCFP’s Senior Vice President of Marketing & Operations. “Also, many states offer additional tax deductions or credits.”
For qualified policies and eligible individuals, federal deduction limits can range from hundreds to more than $4,000 per year. Some states offer no additional tax breaks, but a majority do, either in the form of a deduction or credit. “It varies with each taxpayer and their state of residence,” says Roeser.
In addition, premium cost may be further trimmed by —
– Finding if the individual may be enrolled in a lower-cost group plan sponsored by their employer or an association,
– Foregoing expensive benefit features that aren’t needed in every case, and
– Shopping for the best price and feature set among competing carriers.
The “true cost” estimates are available by phone, at no cost, from the following state-certified agents:
AL: Zachary Rinehart — 816-582-0281
CA: Eric Janson — 415-233-3742
CA: James Perry — 310-376-7847
CA: Kathy Lamphier — 510-314-0860
CA: Debra Rauser — 650-306-0240
CA: Pamela DeMarco — 707-843-3640
CA: Robert Rubalcava — 714-630-2396
CA: Laura Weber — 714-674-0190
CA: Sandra Stanley — 888-316-8919
CA: Phyllis Solgere — 909-627-5587
CA: Mavis Lombardi — 916-353-0935
CA: Sue Varenchik-Martz — 925-735-4341
CA: Petra Petry — 949-351-0347
CA: Bart Nedelman — 949-612-8430
CA: Cindy Whitehall — 951-237-5865
CO: Trish Fisher — 303-955-7585
CO: Jennifer Lenihan — 970-223-1257
CT: Richard Levine — 800-916-9958
CT: David Gerrol — 860-206-4657
CT: Leonard Wik — 860-432-1870
CT: Steve Foss — 860-539-0674
CT: Larry Golfin — 860-677-4075
DC: Bill McElrath — 202-669-3034
FL: Janet Washburn — 239-404-7590
FL: George Braddock — 305-378-8091
FL: Donald Almeida — 407-739-1166
FL: Mike Rou — 904-276-9583
GA: Amy Pollock — 404-237-1189
GA: Belen Hickman — 404-245-2444
GA: Nancy Dower — 678-525-6283
ID: Linda Hicks — 208-331-2803
IL: Bobbi Foster — 630-513-0034
IN: Kirk Bennett — 260-969-1310
MA: David Schuller — 617-327-2994
MD: William Schachter — 301-263-1280
MD: Michael Markowitz — 410-455-0680
MI: Marybeth Bayer — 734-222-9882
MN: Gary Marx — 651-224-0709
MN: Jennifer Ragborg — 952-898-2750
MO: Wendy Rinehart — (816) 286-1297
MO: Keith Eisberg — 660-288-3488
MO: Stuart Frizzell — 816-728-0209
NC: Michael O’Grady — 828-577-5606
NC: Carol DeLucia — 919-280-6106
NE: Larry Neuwirth — 308-635-2023
NE: Larry Heinert — 402-339-8643
NE: Thomas Heinert — 877-508-5824
NH: Francis (Tug) Wilson III — 603-359-7330
NH: Renee Martin — 603-860-9610
NJ: Gary Melnikoff — 201-265-1958
NJ: Richard Landau — 201-476-0880
NJ: Michael B. FitzPatrick — 973-394-0053
NJ: Diane Goldman — 973-588-1807
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: Susan Lenihan — 631-262-7167
NY: Bruce Hutchinson — 631-420-4123
NY: Sheila White — 631-893-4040
NY: Dana Dee — 716-983-1316
NY: Jeanne Fenton — 845-485-6575
NY: LouAnne Macco — 845-679-5075
NY: Virginia Lee Kintz — 866-582-6074
NY: Craig Swift — 917-617-6586
OH: Pattianne Baran — 216-409-0859
OH: John Cullen — 419-797-9210
OH: Denise Gott — 440-461-5131
OH: Sam Desiderio — 440-543-5814
OH: Mark King — 440-832-8936
OK: Samuel Walker — 405-816-0868
OR: Diane Steeves — 503-297-7677
PA: Ted Soslow — 215-887-7400
PA: Anthony Camill — 412-445-6171
PA: Cathy Allen — 610-588-0852
PA: Linda Lee Kaye — 610-608-3388
PA: Shela Anmuth — 610-640-4243
PA: Kevin Bressler — 610-783-6970
PA: Rosanne Schaefer — 610-987-0060
RI: William Grossman — 401-254-4220
RI: Bonnie McHenry — 401-294-6928
SC: Jim Boyd — 843-856-9792
TN: Merle Born — 615-292-8033
TN: Mark Wardell — 901-337-4146
TN: Teresa Will — 931-619-1852
TX: Gabrielle Gelo — 210-592-9887
TX: Madeline Wade — 214-295-8926
TX: Kim Beckham — 361-579-9663
TX: Danita Tucker — 512-351-6272
TX: Raetta Aleshire — 512-750-5754
TX: Kay Nettles — 713-466-4614
TX: Grace Harrington — 713-927-9092
TX: Regina Davis — 800-335-7609
TX: Tom Gilmour — 817-283-7221
TX: Bill Holland — 817-283-7221
TX: Cindy Ward — 817-880-5632
TX: David Gould — 830-980-4484
VA: Roy Smith — 540-868-2435
VA: Penny Gilbert — 703-281-0914
VA: James Meshanko — 703-295-0606
VA: Patricia O’Neill — 703-534-3255
VA: Bill Sotirion — 757-226-8166
VA: George Polizos — 757-291-8505
VA: Michael Zuchowski — 757-467-1354
VA: Linda Sotirion — 757-646-6820
WA: Bill Kitchin — 206-524-8532
WA: Teri Picton — 206-734-7544
WA: Allison Payne — 206-755-2590
WA: Lucille Smith — 206-877-3456
WA: Philip Shields — 360-687-1838
WA: Jonas Roeser — 425-284-4863
WA: Timothy Judge — 425-337-1933
WA: Helen Boyer — 425-557-5372
WA: Christine Khemis — 888-582-5364
WI: Maria Tiefenthaler — 414-587-7855
WI: Julie Zimdars — 608-848-3191
WI: Lynette Schiefer — 920-434-4559
WV: Deborah Bailey — 304-744-0111.
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