KIRKLAND, Wash. /eNewsChannels/ — Why are some middle-aged Americans buying long-term care insurance (LTCi) for their aging parents? It’s partly because Mom and Dad may need help with the tasks of daily living, but can’t afford a policy to pay for it, according to Denise Gott, National Sales Manager of LTC Financial Partners, LLC (LTCFP).
It’s also because the kids don’t want to end up paying the bills out of savings, jeopardizing their own retirement, or to disrupt their lives to tend to Mom or Dad personally.
There’s a deeper motivation for the gift of LTCi, though. “The grown kids want to give back to those who gave them so much,” says Gott. “This was pointed out by one of our senior specialists, Paula Taylor of Oakland, CA.” According to Taylor and Gott, the grateful children express their feeling in many deeply-felt ways.
For example:
* “My father put me through school, and I will take care of him now so he can spend his remaining years at home.”
* “Mom taught me so much, how to play the guitar and read before other kids knew how. Dad taught me to raise and pluck chickens, shoot a gun safely, and own up to my mistakes. They never neglected me, and I’m not going to neglect them now.”
* “She changed my diapers, bandaged my fingers, kissed my bruises. I’m going to make sure she’s cared for too.”
* “They gave me the gift of life and everything that followed. I can give them a policy.”
For reasons of your own, the gift of long-term care might be worth considering whether you celebrate Christmas, Hanukkah, or another end-of-year holiday. But, “it may be an invaluable gift any time of year,” says Gott.
Colleagues who share this view include:
CA: Paula Taylor (who came up with the idea) — 510-763-5002
CA: Phyllis Solgere — 909-627-5587
CA: Sandra Stanley — 888-316-8919
CA: Laura Weber — 714-674-0190
CA: Sarah Fisher — 510-230-4301
CA: Jim Valentine — 408-792-0540
CA: Petra Petry — 949-351-0347
CA: Michael Scoles — 408-264-1759
CT: Larry Golfin — 860-677-4075
CT: Steve Foss — 860-539-0674
CT: Leonard Wik — 860-432-1870
FL: Mike Rou — 904-276-9583
FL: George Braddock — 305-378-8091
FL: Janet Washburn — 239-404-7590
FL: Jerry Grubba — 727-515-1910
GA: Belen Hickman — 404-245-2444
GA: Amy Pollock — 404-237-1189
ID: Linda Hicks — 208-331-2803
IL: Cheri Davis — 773-531-0669
IL: Robin Frank — 773-774-2600
IL: Bobbi Foster — 630-513-0034
IN: Kirk Bennett — 260-969-1310
MI: Tom Varner — 810-796-2405
MI: Marybeth Bayer — 734-222-9882
MN: Jennifer Ragborg — 952-898-2750
MO: Wendy Rinehart — 816-886-2358
MO: Keith Eisberg — 573-303-3007
NE: Larry Heinert — 402-339-8643
NE: Larry Neuwirth — 308-635-2023
NJ: Michael B. FitzPatrick — 862-242-8787
NJ: Richard Landau — 201-476-0880
NJ: Gary Melnikoff — 201-265-1958
NJ: James Cundari — 973-450-1074
NY: Steve Brefere — 914-234-7767
NY: Virginia Lee Kintz — 866-582-6074
NY: Sheila White — 631-893-4040
NY: Jennifer Lenihan — 631-262-7167
NY: Susan Lenihan — 631-262-7167
NY: Jay Charno — 516-935-4029
NY: Gene Cutler — 516-869-6767
NY: Michael Robinson — 516-612-4936
NY: Ronald Brie — 212-799-3900
NY: Dana Dee — 716-983-1316
NY: Ray Donnelly — 516-747-1809
OH: Thomas Hodges — 513-519-6010
OH: John Cullen — 419-797-9210
OH: Pattianne Baran — 216-409-0859
OH: Brenda Gray — 513-541-3968
OK: Samuel Walker — 405-816-0868
OR: Diane Steeves — 503-297-7677
PA: Kevin Bressler — 610-783-6970
PA: Anthony Camill — 412-445-6171
PA: Cathy Allen — 610-588-0852
SC: Pamela Loesch — 843-856-4141
SC: Madeline Wade — 317-259-4113
TN: Mark Wardell — 901-337-4146
TN: Teresa Will — 931-619-1852
TX: Bill Holland — 817-283-7221
TX: Kay Nettles — 713-466-4614
TX: Kat Roebuck — 281-431-4033
TX: Kim Beckham — 361-579-9663
VA: Linda Sotirion — 757-646-6820
VA: George Polizos — 757-291-8505
VA: Patricia O’Neill — 703-534-3255
VA: Penny Gilbert — 703-281-0914
VA: Joel James — 757-478-5819
VA: Michael Zuchowski — 757-467-1354
VT: Tod Warner — 802-985-4930
WA: Christine Khemis — 888-582-5364
WA: Lucille Smith — 206-877-3456
WI: Lynette Schiefer — 920-434-4559
WV: Deborah Bailey — 304-744-0111.
LTC Financial Partners, LLC (LTCFP) – http://www.ltcfp.com – is one of America’s most experienced long-term care insurance agencies.
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