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1 min read

Upcoming Webinar: An Alternative to Long-Term Care Coverage

By NAIFA on 1/25/23 11:51 AM

When long-term care insurance is not an option due to a person's health and/or finances, there may be an alternative solution to a difficult situation. Limited long-term care insurance can be an option to help during your client's time of need.

Register now for this upcoming webinar discussing limited long-term care on Tuesday, February 7 at 2 pm eastern.

Topics: Long-Term Care Limited Care Webinar Limited & Extended Care Planning Center Insurance Insurance Webinar
5 min read

How to Talk to Your Parents About Long-Term Care

By Cameron Huddleston on 12/9/22 9:30 AM

As your parents age, there’s a good chance they will need long-term care. According to the Department of Health and Human Services, more than half of Americans turning 65 today will develop a disability serious enough that they will need daily help with the basic activities of living. Most will need care for less than two years, but 1 in 7 will need assistance for more than five years.

As tough as it might be to imagine your parents being unable to care for themselves, the thought of discussing this possibility with them probably seems even harder. But it’s important to talk to your parents sooner rather than later to develop a plan for long-term care if they ever need it. If you wait for an emergency to strike, emotions will be running high and you’ll likely have fewer options to deal with your parents’ need for care.

Topics: Long-Term Care Extended Care Limited Care Limited & Extended Care Planning Center
2 min read

State Senate Hearing on LTC Features Testimony of NAIFA-WA's Chris Bor

By NAIFA on 12/8/22 6:00 PM

Chris Bor, LUTCF, CLU, ChFC, a loyal NAIFA member since 1998 and Immediate Past President of NAIFA-WA, testified at a hearing of the Washington State Senate Business, Financial Services & Trade Committee on the use of life insurance, annuities, and policy riders in long-term care planning. He gave an overview of a wide variety of LTC planning options and discussed the value of agents and advisors to consumers. Bor also serves as Vice-Chair of NAIFA's National Membership Committee.

Topics: Long-Term Care Life Insurance & Annuities State Advocacy Washington
1 min read

Long-Term Care Crisis ‘Sneaking Up on Most Americans’

By NAIFA on 11/3/22 10:03 AM

On Monday, October 31's "Don't Be Scared of Long-Term Care," NAIFA's Executive Director of Centers of Excellence, Carroll Golden, addressed the crisis of long-term care that is sneaking up on most Americans. "When we look at the cost of care, it’s only increasing and it’s increasing dramatically," she said at the Limited & Extended Care Planning Center's annual Impact Day.

Topics: Long-Term Care Limited Care Limited & Extended Care Planning Center
3 min read

What May Be the Repercussions of the Washington Cares Fund?

By Ken Leibow on 10/27/22 10:00 AM

Washington State’s “Washington Cares Fund” (WCF) imposes an uncapped 0.58% employee-paid payroll tax ($580 per $100,000 earned) to fund a $36,500 lifetime pool (intended to inflate, beginning in 2027, according to WA’s consumer price index) for long-term care received in WA by vested employees. A claimant must require help with at least 3 activities of daily living (11 ADLs are listed on WCF’s website).

Topics: Long-Term Care Legislation & Regulations Long-Term Care Insurance
1 min read

Tackle the Scariest Topics in Long-Term Care at LTC Impact Day 2022

By NAIFA on 10/19/22 11:35 AM

We're kicking off November's Long-Term Care Awareness Month on Halloween, Monday, October 31 to get the message out that you don't need to be scared of long-term care conversations!

NAIFA's Limited & Extended Care Planning (LECP) Center is hosting "Don't Be Scared of Long-Term Care," a free, day-long virtual program from 9 am to 5 pm. Included are interactive sessions from industry leaders who will address the scariest of topics in the long-term care arena. 

Topics: Long-Term Care NAIFA Events Webinar Limited & Extended Care Planning Center
3 min read

Meet Steve Cain of NAIFA Partner LTCI Partners

By Ronan Friend on 5/2/22 10:00 AM

Steve Cain is a self-described “LTC insurance nerd” dedicated to being a lifelong learner and advocating for Main Street USA.

Getting Started

A 25-year veteran of the insurance industry, Cain started his insurance career after playing two years of minor league baseball. When he returned home to Los Angeles, he took a temporary job providing support for a company specializing in long-term care (LTC) insurance. He learned about LTC from his job, but he learned its value from watching his mother handle LTC events for both of her parents. He saw the impact dealing with LTC without proper planning had on her and knew he needed to help families like his own.

Topics: Long-Term Care Long-Term Care Insurance Member Spotlight Member Profile Loyal Member Loyal Member Profile Insurance
3 min read

Meet Loyal NAIFA Member Bruce Palmieri 

By Ronan Friend on 4/22/22 10:00 AM

When Bruce Palmieri, CLU®, ChFC®, CFP®, applied for a life insurance policy in 1990, he didn’t expect to find a career—but that’s just what happened. His Northwestern Mutual advisor recruited him into the business and, over 30 years later, Palmieri is a stalwart of the insurance and financial services industry.

Serving Main Street USA

Palmieri primarily works with clients who are looking to retire soon and want to make sure they have their finances in order. He helps them plan for the future, delving into the details of their retirement accounts, employee benefits, life insurance, long-term care planning and more. By taking a holistic approach to each client’s unique circumstances, he’s able to help them build a strategy that works for them.

Topics: Disability Insurance Long-Term Care Life Insurance & Annuities Member Spotlight Member Profile Loyal Member Profile
2 min read

Webinar On-Demand: IUL Sales Ideas and Long-Term Care

By NAIFA on 4/8/22 1:15 PM

Increased awareness of long-term care (LTC) insurance means increased interest in LTC coverage. However, not all clients qualify for a traditional LTC rider.

Each week, NAIFA partner E4 Insurance Services presents Building Relationships Every Week (BREW) webinars with insights to help you grow your practice and serve Main Street USA.

Topics: Long-Term Care Life Insurance & Annuities Limited Care Potential Partners for Advisors Insurance
4 min read

How to Protect Aging Clients from Financial Exploitation

By Cameron Huddleston, Carefull Family Finance Expert on 3/31/22 10:00 AM

Financial exploitation of older adults is rampant, and the problem will only get worse as America’s population continues to age.

In fact, the rate at which adults over the age of 60 can expect to experience financial exploitation—1 in 20—is higher than the incidence of many age-related diseases, according to research published in The Journals of Gerontology. And that’s likely an underestimate because many older adults are unwilling to report exploitation.

Topics: Long-Term Care Extended Care Limited Care Potential Partners for Advisors

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