Obtain a Long Term Care Insurance Quotation without Obligation! Complete and Submit our Online... ESPANOL - PARA UN FORMULARIO DE SOLICITUD DE COTIZACION DE SEGURO PARA CUIDADO DE LARGO TERMINO Contact Peter Daenzer, CLU, CPCU, LTC Consultant Group Call (877) 501-4890 Fax (760) 772-8236 or E-mail Today!

Peter B. Daenzer, CLU, CPCU, Managing Director, LTC Consultant Group is available for agency & client group presentations upon request. During his presentation, "Taking Care of Tomorrow - An Insider's Guide To Long Term Care", he states, "Baby-boomer or senior, protect your assets before it's too late!" Click here for more information on Mr. Daenzer.

As you or other members of your family enter your 50's, 60's, 70's and beyond, part of retirement planning should include long term care. Will your parents or loved one's need long term care?
Consider the following:

• Over 50% of all people over 65 need "custodial" care at home, in an adult day care center, in a residential facility or nursing home. For every 1000 people...
  • 5 will have a House Fire (the average loss is $3,428)
  • 70 will have an Auto Accident (the average loss is $3,000)
  • 600 will need Long Term Care (The average cost is $40,000 to $80,000 per year)
    (Source: Society of American Actuaries, 1995 & HIAA, 1994)
  You are prepared for just about everything - except the coverage you're most likely to need -
  Long Term Care Insurance.

• Contrary to common belief Medicare, Supplements, Health Insurance & HMO's don't cover long term "custodial" care at all. Only "skilled" care is covered for very limited periods of time. To qualify for Medi-Cal you must "spend down" most of your lifetime savings. Also, a new Federal law levies "criminal penalties" for certain asset transfers designed to create or hasten Medi-Cal eligibility.

• How much will long term care cost? Now it costs $40,000 to $80,000 a year or more for possibly many years - totaling HUNDREDS OF THOUSANDS OF YOUR HARD EARNED DOLLARS!! What will long term care cost in the future? Who will pay for long term care? Long Term Care Insurance could be the answer. "The Health Insurance Portability and Accountability Act of 1996" gives tax advantages for the purchase of long term care insurance.