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Ever wondered about long-term care insurance options through your employer? 🤔 Dive into the fastest-growing segment of LTC: the employer group market! 📈 Let's explore the exciting changes and options available!

1🔍 Did you know that the employer group market is the fastest-growing segment of long-term care? From guaranteed issue solutions with dozens of carriers to small groups starting at 3 employees, the landscape is changing dramatically! #GroupLTC #InsuranceEvolution

2 🤝 Group vs. Worksite: What's the difference? Group policies mean no medical underwriting during special enrollment! Perfect for those wanting an easier path to coverage! #InsuranceExplained

3 🌟 Hybrid options leading the way: Most group market solutions have a long-term care focus with a life insurance extension. Oh, and restoration of the death benefit – get both LTC & life insurance benefits! #HybridInsuranceBenefits

4 💲 Cost-effective coverage: Long-term care benefits start as low as $15/month for younger employees and offer leverage that could cover millions over time. Think you can't afford it? Think again! #AffordableCare

5 👨‍👩‍👧‍👦 It's all in the family: Some policies cover spouses and children too! With options to buy up coverage, you can match your needs as they change. #FamilyCare

6 🎓 Education is key: Employers offering LTC should consider timing outside general benefits enrollment and provide robust education resources. Knowledge empowers smart choices! #EducateToPlan

7 🕒 Timing is everything: Secure your benefits before policy windows close, and stay ahead of potential state mandates like payroll taxes on LTC. Seize the opportunity today! #PlanAhead #FutureSecure

For more insights, learn from experts like Kelly Augspurger and Marc Glickman. Their mission is simple: help you understand and choose the best LTC options. Stay tuned to see how this evolves! 🌟

To learn more about Marc and Buddy Ins:

Go to buddyins.com/group for more information about group/worksite LTCi opportunities and to explore group products.

Join Ask The Long Term Care Insurance Specialists Facebook group for LTCi product information and peer-to-peer networking.

For employers interested in learning more about offering LTCi to their employees, visit Long Term Care Insurance As An Employee Benefit - BuddyIns.

Marc can be reached at marc@buddyins.com.

Kelly can be reached at kelly@steadfastagents.com.

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

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Crushing Medical Debt! 🏥💸

Have you ever been overwhelmed by astronomical medical bills? You're not alone! Today's convo is with Dr. Virgie Bright Ellington, an expert on navigating medical debt, and she has some game-changing advice. 🩺🔍

Medical bills are the leading cause of debt & bankruptcy in the U.S.—& they don't discriminate by age. If you're over 18, you're at risk. But guess what? Dr. Virgie says there's hope, & she's armed with 3 life-saving steps to tackle those bills! 💪📑

Step 1: Get a REAL bill. Demand a copy with CPT codes, just like what’s sent to insurance companies. This helps avoid hidden fees & errors. 🚫🧾

Once you have the CPT codes, Step 2: Use AI or Google search to check what Medicare pays for them. These are typically most fair rates and your new benchmark. 🌐📊

Step 3: Call the billing department with your new number & confidently say, "In my case, I am willing and able to pay [your total]." Trust me, this is negotiating on stealth mode! 😎📞

Dr. Virgie also highlights incredible FREE resources, like the Patient Advocate Foundation, which can guide you through the medical bill maze. Consider them your financial ally! 🆓🤝

Planning ahead is key! Can't afford traditional insurance? Look into accidental or critical illness coverage to protect against catastrophic costs. Some coverage is better than none. 🛡️📋

Feeling anxious about medical costs & financial health? Bring a support person to appointments for a second set of ears, and reach out for help when negotiating or appealing insurance denials. You're not alone! 👫🗨️

Remember, knowledge is power. Question those big bills, use negotiation hacks, & don't hesitate to seek assistance. Your financial health is just as critical as your physical health. 💡💰

Dive deeper and crush medical debt with Dr. Virgie by visiting CrushMedicalDebt.com or her podcast "Medical Bills Uncovered." 🎧💊

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

Send us a text

Do you know someone caring for a person with dementia?

🎙In this episode of Steadfast Care Planning, Kelly talks with Valarie Langel, a nurse practitioner who specializes in geriatrics and author of "Dementia Caregiving Simplified."

Here's how to navigate the journey with grace and support:

1/ 🧠 Dementia is more than memory loss. It involves confusion, speech difficulties, and emotional challenges. Recognize the stages early for better care and planning. Valarie Langel’s insights are a game-changer. 💡

2/ 🏃‍♀️ Avoid burnout! Join caregiver support groups for emotional support and involve family members in care. Take personal time each week for self-care. You’re not alone. ❤️

3/ 📝 Legal prep is crucial. Appoint Power of Attorney, prepare healthcare documents, and plan financially. Kelly Augspurger emphasizes, “Prepare today for a secure tomorrow.” 📜

4/ 🛏️ Consider hospice care for additional support. It’s not just for the final days—patients can improve and be in hospice for months. Medicare covers these vital services. Think quality of life! 🌟

5/ 💬 Communicate effectively with dementia patients. Be at eye level, use gentle touch, and avoid phrases like “Do you remember when…?” Small changes make huge impacts.

6/ 🚶‍♂️ Reduce fall risks: Use natural light, sensor lights, and solid-bright colors for better visual recognition. Safety first!

7/ 🥗 Adjusted diet: Dementia can alter taste preferences. Offer limited options with visual cues to encourage eating—think colorful and simple! 🍏🍞

8/ 📚 Valarie Langel’s book, "Dementia Caregiving Simplified," is packed with real-life examples and tips. A must-read for caregivers. 🌟

9/ 🔎 Early intervention is key. If your loved ones exhibit unusual behaviors, don’t delay seeking help. Early stages often go unnoticed.

10/ 🏡 Make homes dementia-friendly. Label switches, remove rugs, and create familiar routines. Little changes can make a big difference. 🏠

11/ 🎶 Activities like music therapy, puzzles, and trivia keep dementia patients engaged and joyful.

12/ 💖 Don’t forget about YOU! Caregiver health is essential. Support groups, hobbies, and self-care prevent burnout and ensure you’re at your best. Rediscover your passions. 🌷

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!