insurance

Melissa Barnickel Speaking for LPR:

Melissa Barnickel Discusses the Age & Stage for LTCI:

Melissa Barnickel Discusses the Types of LTCI:

There are normal risks people encounter everyday from going about life as usual— such as the possibility of getting injured from car accidents or sports. A sudden need for long term care is no different.

Myth: I can "self-insure" for long term care should I need it down the road.

Reality: There is no thing such as "self-insurance", only "self-funded" care. 

Often the topic of long term care planning can be boiled down to three primary considerations:

1.    What do you want?

2.    Is what you want realistic?

While reading a recent article entitled, “3 Ways to Avoid Regrets in Retirement” on The Motley Fool’s

My inbox recently displayed the subject line, “The Center of Your Celebrations”. No, it wasn’t about the matriarch or patriarch at your holiday dinners. Or even the newest member of the family.

As we open up holiday cards and presents, as fun and festive as they are, it is also good to reflect on how the value of these items pale in comparison to the more meaningful gifts that life offers. Gifts such as spending time with friends and loved ones.

For 16 years, Genworth Financial has been producing what is considered the gold standard report on the cost of long term care. Other surveys have come and gone, but this one has remained the same.