Brianna Frost’s Post

Let's talk about Long Term Care. LTC is all about getting the help you might need as you age. Whether it's assistance with daily tasks, nursing care, or help at home, LTC can be a game-changer. Learn its ins and outs. Join our FREE webinar by clicking here:

4 options to pay for long-term care and nursing home costs The price tags can be high, but a little planning and support can help you prepare for the costs of long-term care.

This is great information to start the planning process. #financialadvisory #financialplanning

The 2023 update to the Healthcare Enhancement for Local Public Safety (HELPS) Retirees Act makes it easier than ever for retired public safety officers to benefit from an annual pre-tax distribution. #ViaBenefits #HELPS #IndividualMarketplace https://ow.ly/FnAF50PPcea

4 options to pay for long-term care and nursing home costs #retirementplanning

November is Long-Term Care awareness month. I help people to be prepared for this very costly expense. 70% of all people will need care at some point. It could be in-home care by a family member or professional caregiver, assisted living, adult day care, or nursing home care. Many don't buy traditional long-term care insurance because it's expensive, the premiums are never locked in, and they think it could be a waste of money if they don't ever need it. And, they're 100% correct. I help people allocate a portion of their retirement savings to cover this need, and the company provides many times the amount you set aside for your care in the future. Using this method, there's no wasted money. It'll be there if you or your spouse ever need it, and you leave a multiple of what you set aside if you don't. I like to call it insurance for the rest of the portfolio. Paying the expense of long-term care without any planning can decimate a person's retirement savings. If you'd like to protect yourself from this risk, reach out to see the solutions that are available to you.

What today's Medicare Open Enrollment options can teach us about reforming public sector retiree medical benefits promises. https://lnkd.in/gVeGnmja #opeb #gfoa #NASRA #NCPERS #publicpensions #retireemedical #retirement #stateandlocal #municipalities #schoolfinance #teacherretirement #police #firefighters

Discovering whether a nursing home can seize your savings is a nuanced journey. While nursing homes can't outright take your assets, the rising costs of long-term care pose a significant financial challenge. Read my thoughts about it in this article 👇

Calculating the cost of elder care is an essential component of retirement planning. A Certified Elder Law Attorney can help with this planning.

Did you know... #Totten's specialized Healthcare coverage for Home Healthcare and Placement Agencies includes Private Homes, Retirement Homes, Nursing Homes & Hospitals. Connect with our Healthcare Team at healthcare@tottengroup.com to learn more. Visit our website at www.tottengroup.com and follow us on LinkedIn for more updates. #MGA #HealthcareInsurance #HomeHealthcare #SpecialtyInsurance #Underwriters #ContactUsToday #Ask #InsuranceBrokers #GroupHomes #TrustTheExperts