This week, we look at premiums of traditional, stand-alone LTC plans. Diane shares a plan that her clients designed 10 years ago when they were 49 and compares that to the same plan for a 49 year old couple today, a 59 year old couple today and a 69 year old couple today.

Listen and learn how both premiums and benefits at each age (and time) differ.

You'll be surprised when learning the total premiums paid at 49 and 69, and more importantly, the difference in benefits availabe at age 79 for each plan.

View current and projected costs of care where you live here

Be sure to use a 5% cost of living rate as that's the average cost of care increase over the last 30 years.

Schedule a phone or zoom meeting with me to start designing your plan here

Let's wotk together so you and your favorite people are prepared for tomorrow!

This week, Diane compares 10 year hybrid Life/LTC plans with 10 year paid up funding for a couple age 50, age 60, and age 70 to share why it's so much better for everyone when we plan early.

Even though we don't want to think about it, at age 50, we need to consider what our 70 year old self, our 80 year old self and even our 90 year old self may be like and what kind of help we may need.

Genuinely see the older people around you - your family, people at the grocery store, people walking out to their mailbox to get the mail. Are they moving more slowly or unbalanced as compared to how they may have been able to move around 10, 20 or 30 years ago?

Why would we really think we'll be different?

By starting at age 50 onstead of 60, you could save hundreds of thousands of dollars in premiums over your lifetime, get your policies paid in full before you retire and then have 10 times what you paid in premiums to pay for care needs wherever you and your family and doctor sees as the best and safest place for you to live and get help living.

You'll know you have a plan for when things don't go as planned.

View current and projected costs od care where you live here and remember to use a 5% cost of living adjustment when considering future costs as that is the average rate of inflation on LTC services.

Schedule a phome or zoom meetign to start designing your plan here

It's football season! This week, Diane compares football to LTC planning.

Every team needs a quarterback, position players and a strong defense.

We also need depth - a back up plan in case something or someone isn't the right fit for our needs.

We need strategies and gameplans so we are prepared for tomorrow.

The most difficult part of LTC planing is we never know what we're going to need to defend against or when we need to be ready to defend. No one is sending a schedule in advance, so we need to prepare today to have the best plan we can obtain no matter who our opponent is.

I'll be your coach and help you strengthen your strategies and your team so you can all be Prepared for Tomorrow.

Email me at diane@preparing4tomorrow.com and I'll email you a Planning Guide to help you start thinking about how and where and with whom you would want to live if you can no longer live independently.

Schedule a phone or zoom meeting wih me to start designing your gameplan here