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LTC Guild Member Releases Guidelines for Securing Long-Term Care Insurance for Parents
Date:2/4/2013

rch the LTCi options before approaching your parent. Working with an LTCi specialist, design a plan that is appropriate and comfortably affordable. “Pinpoint the right policy for your situation,” says Taylor. You cannot submit an application without the participation of the person to be insured, so you’re not done yet.

3. Gain buy-in from your siblings. “Everyone should be consulted before you approach your parent,” says Taylor. This can be done in a family gathering or by phone. The concerns and involvement of all should be addressed. So should the question of who pays. “In the Maravillia family,” says Taylor, “four of the seven children were in a position to help with the premium, and a brother who had made a lot of money agreed to cover extra costs if the insurance didn’t pay enough.”

4. Present the plan to your parent. He or she may not react favorably. “At first our mother was resistant,” says Lucille Maravillia. “She didn’t want us to spend the money, but finally agreed it was the best solution.”
Once your parent says yes, it’s time to apply for a policy. Remember, the insurance must be purchased before care is needed and while the parent can still health-qualify. For the Maravillia family, LTCi protection has been in place for 10 years.

“Over time Mother is so grateful,” says Lucille. “She has seen friends who struggled because they don’t have the insurance. She is very active and independent and she thanks us all the time. It has given her a lot of peace of mind. For us it was a gift of love.”

Paula Taylor is an agent with LTC Partners and Insurance Services, LLC, the California division of LTC Financial Partners, LLC, a national agency of LTC professionals. Her primary goal is to educate her clients so they can protect their independence and assets, and not burden their loves ones. She provides education programs for account
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