Hear Matt McCann on radio interview

Matt McCann was interviewed on Chicago radio station WIND (AM 560) as well on a podcast on the AGING INFO RADIO website, http://aginginforadio.com/. McCann, recognized as a leading Long Term Health Care (LTC) specialist, spoke about Long Term Health Care Planning and how Long Term Care Insurance can play an important role in protecting people’s 401k’s, IRA’s, and other assets.

Each week Sue Zawacki, the host of the program, interviews expert guests and explores healthy aging, aging in place, elder care, boomer & senior lifestyles, retirement communities, wealth at retirement and related topics. She is passionate about keeping others moving forward while connecting them to help one another with education and resources.

You can listen to the recording of the show here: http://aginginforadio.com/2015-Shows/AIR-2015-04-12.mp3

Learn more about Long Term Health Care Planning at http://mccannltc.net/

Don’t forget, you can follow Matt McCann on Twitter: https://twitter.com/mccannltc @mccannltc

Matt at mic on radio

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Forbes: Boomers, Millennials And The Long-Term Care Divide

This article in Forbes talks about the need for Long Term Health Care Planning. Keep in mind, has with many articles, this article is general. Overall premium costs are usually lower than what the article indicates. For example, a married 55 year-old male in good health can get a solid partnership plan for as little as $92 a month. A single person would pay a bit more.

You can read the article here: http://www.forbes.com/sites/nextavenue/2015/04/09/boomers-millennials-and-the-long-term-care-divide/

Planning for the physical, emotional and financial burdens Long Term Health Care is an important part of retirement planning. Planning needs to be done when you are younger and healthy as you will have many more affordable options. Premiums for Long Term Care Insurance are based on AGE and HEALTH at the time of application and are very affordable. While the article talks about the increases for new plans many companies did not change their rates so the article is a bit misleading. Premium increases on existing plans did happen but primarily on much older plans that were sold prior to rate stabilization and much better underwriting standards. With the risk of needing care being as high as it is, Long Term Care Insurance seems like common sense.

The risk of needing care is high with the advances in medical science allowing us to live longer and survive health events and accidents more than ever before. People require Long Term Health Care due to accidents, illnesses or the impact of aging. The US Department of Health and Human Services says if you reach the age of 65 you will have a 75% chance of needing some form a Long Term Health Care before you pass away.

Many states have partnership programs available which provide dollar for dollar asset protection if you have a qualified policy. The Long-Term Care Partnership Program is a collaboration between state government and insurance companies. Under this partnership, applicants who purchase qualifying long-term care insurance policies can access Medicaid coverage while retaining assets they would normally be required to spend on their long-term care. This is referred to as dollar for dollar asset protection.

Premiums are very affordable if designed appropriately by a specialist who understand how these plans work. The American Association for Long Term Care Insurance suggests consumers only work with specialists who represent all the top insurance companies and have at least 500 active clients in Long Term Care Insurance. Few insurance agents or financial advisors have this level of experience. In my case I have well over 2100 active clients throughout the country with over 16 years of experience. Please remember, a specialist like myself not only represents all the top insurance companies but also understands how these plans get used at the time of claim.

Read the article and learn more at http://mccannltc.net/

2015 cost of care pic

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Fidelity suggests making affordable Long Term Care Insurance part of your retirement plan.

Fidelity Investments is an American multinational financial services corporation. It is one of the largest mutual fund and financial services groups in the world. Founded in 1946, the company has since served North American investors. They understand and help people plan for heir future retirements. They also understand the risks that are involved that could impact your success retirement. One of the biggest involuntary risks we all face is the risk of Long Term Health Care. When you look at other risks (something happening to your home, car, etc.) they are very small risks. But the advances in medical science are allowing us to live longer than ever before. If you don’t die … you live and get older. If you don’t recover from an accident or illness … but you don’t die, you become a Long Term Care statistic. That means it costs you money since health insurance and Medicare won’t pay for a majority of these costs. Quoting from the article:

“According to Fidelity’s annual retiree health care costs estimate, the average 65-year-old couple retiring in 2014 will need an estimated $220,000 to cover health care costs during their retirement, and that is just using average life expectancy data.1 Many people will live longer and have higher costs. And that cost doesn’t include long term care (LTC) expenses.

According to the U.S. Department of Health and Human Services, about 70% of those age 65 and older will require some type of LTC services—either at home, in adult day care, in an assisted living facility, or in a traditional nursing home. The average private-pay cost of a nursing home is about $90,000 per year according to MetLife, and exceeds $100,000 in some states. Assisted living facilities average $3,477 per month. Hourly home care agency rates average $46 for a Medicare-certified home health aide and $19 for a licensed non-Medicare-certified home health aide.”

see the full article by clicking here.

Planning for the physical, emotional and financial burdens Long Term Health Care can have on loved ones is key to protecting your 401k’s, IRA’s and other assets. This is not even mentioning the emotional and physical burdens on your family that go along with this risk.

Do you really think it won’t happen to you? People need Long Term Health Care due to illness, accidents and the impact of aging. You do understand we live longer now than ever before.

Live longer than you expect pic graphic

So if you are living longer than you need you understand that there is a very good chance you will need help with your activities of daily living or require supervision due to memory loss.

The famous TV doctor, Dr. Oz, has a quote which sums it up very nice:

dr oz

Other then denial of the risk the other objection some people have is Long Term Care Insurance is too expensive. This is just not true. Long Term Care Insurance is VERY affordable. A married 53 year-old male can get a solid partnership plan for as little as $74 a month or less depending on health and benefits applied for. A Long Term Care Specialist, like myself, can help you design an affordable plan which fits your situation and shop for the best value from all the top companies, not just one or two.

Then you have the power of the partnership program.  Many states have partnership programs available which provide dollar for dollar asset protection if you have a qualified policy. The Long-Term Care Partnership Program is a collaboration between state government and insurance companies. Under this partnership, applicants who purchase qualifying long-term care insurance policies can access Medicaid coverage while retaining assets they would normally be required to spend on their long-term care. This is referred to as dollar for dollar asset protection. This is a huge benefit to make sure you don’t lose everything in a catastrophic Long Term Care event.

partnership 2015

So how and when do you start planning? The when is now. Most of the people that start planning are in their 40’s and 50’s and do so as part of their retirement planning. Premiums are based in large part by your AGE and HEALTH and stay at that rating forever. The American Association for Long Term Care Insurance (www.aaltci.org) suggests you work with a specialist that has at least 500 active clients in Long Term Care and who works with the top companies. In my situation, I have over 2100 clients in Long Term Care, work with all the top companies and I am endorsed by the American Association for Long Term Care Insurance. Few people in the country have my level of experience.

You can start your education by going to my website at: http://mccannltc.net/. You can also get quotes from all the top companies by filling out the form at: http://mccannltc.net/free-quote/

You can also watch the YouTube video of my radio commercial: https://www.youtube.com/watch?v=-CIjudbGd4U

Start today. I meet with people from all over the country on the telephone and by using safe screen sharing technology where you get to see my computer screen. Call and make an appointment or ask a question: 866-751-7957 or email: matt@mccannltc.net

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Guest on Upcoming radio program in Chicago

Sunday, April 12, 2015 I look forward to being a guest on Aging Info Radio, a program hosted by Sue Billings Zawacki on Chicago’s AM560 The Answer.

Aging Info Radio host Sue Billings Zawacki has worked in the aging and elder care industry for 17 years.

Sue’s direct contact with those preparing for retirement as well as seniors and families through her work in the insurance industry focusing on long term care and Medicare policies made her aware of the issues that adult children of aging parents face when trying to find the right resources to assist their aging loved ones.

Her passion to help family caregivers moved her to connect with an organization that published a resource guide for seniors. Her initiative launched and managed the Chicagoland publication providing over 1 million copies to a six county area.

Sue’s work on the board of several senior service provider associations assisted her in understanding the need for resources to help families caring for an aging loved one or who may be concerned about their own aging journey.

She has felt for over a decade there is a growing need for education and resources in the aging and elder care industry.  As Sue says, demographically we are on the forefront of a silver tsunami.

Sue is the founder and show host. In January 2012 Aging Info Radio started broadcasting Saturday mornings at 6am on AM 560 The Answer, formerly known as AM 560 WIND.  As of June  2013 Aging Info Radio moved out of the sleepy hour of 6am to Sunday mornings at 9am on AM 560. The coverage area for AM 560 is all of Chicagoland, southern Wisconsin, N.W. Indiana and S.W. Michigan with the potential to reach nearly half a million listeners and millions more by the way of http://www.560TheAnswer.com and AgingInfoRadio.com where the show streams live.

Sue is passionate about keeping others moving forward while connecting them to help one another with resources and education.

As a leading expert on Long Term Health Care and the ways to affordably plan for the physical, emotional and financial burdens Long Term Health Care can have on loved ones, I look forward to sharing my thoughts and experience with listeners throughout the Chicago area and throughout the country on the web.

If you have questions to wish addressed on this program just email them to me at: matt@mccannltc.net.

As always, you can educate yourself on my website: www.mccannltc.net

Sue Zawacki pic

Here is Sue, host of Aging Info Radio on AM560, The Answer. Visit her website at: http://aginginforadio.com/

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Has Spring Finally Come?

Many parts of the country has experienced a very hard winter. This one reminds me of the late 1970’s. Weather always goes into patterns. It always has and it will in the future. Remember in the 70’s some people were talking about an ice age. Today it is global warming. But now, after a winter, there seems to be a hope of spring.

Baseball spring training has started and soon the green grass of spring in all its glow will soon take over.

weather on March 7, 2015

Not bad for March 7, 2015 and many more nice spring days to come!

Watch video, just click here.

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Radio Commercial and YouTube Video

A new radio commercial is hitting the Chicago market for http://radioltc.com/. I put the audio to video in a raw YouTube Video … check it out, still learning this stuff.

Click here to see the YouTube of the radio commercial.

The http://www.radioltc.com website is a quick way to get free quotes on affordable Long Term Care Insurance from all the top insurance companies. If you wish to learn more about the topic, I would suggest going to the main website, http://mccannltc.net/.

Affordable Long Term Care Insurance is an affordable way to plan for the burdens that impact loved ones when an extended Long Term Health Care event happens. These can happen at any age. People require extended Long Term Health Care due to illness, accident or the impact of aging. Since health insurance and Medicare (which is health insurance for those 65 and older) do not pay for a majority of Long Term Care services, you need to protect your assets with affordable Long Term Care Insurance.

This has become an important part of retirement planning. Learn more today. Read about McCann Insurance Services in the Chicago Tribune by clicking here.

McCann Insurance Services wide screen

#longtermcare  #retirement #radioltc

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Jim Nantz’s best call? Finding his calling as a voice for Alzheimer’s

Jim nantz CBS picCBS Sport’s Jim Nantz talks about being an advocate for those families dealing with a loved one with Alzheimer’s in support of the national “Let’s Talk” campaign. This campaign promotes the idea of needing to discuss the need for planning for Long Term Health Care which will impact 70% of us who reach the age of 65. Planning becomes an important part of your future retirement plan. Long Term Care Insurance is an affordable way to address the physical, emotional and financial burdens Long Term Health Care has on loved ones.

Click here to see the article.

Many people want to protect their 401k’s and IRA’s and be sure they have enough money for a comfortable retirement. Knowing the costs for Long Term Health Care are usually not included in retirement savings, having an affordable way to address this issue makes sense.

Affordable Long Term Care Insurance can provide asset protect and in most states dollar for dollar asset protection for your estate. This way you can have peace-of-mind knowing you will never be a burden to a spouse or children or other loved ones. Learn more about how affordable Long Term Care Insurance can be … contact me now.

Matt McCann – toll free – 866-751-7957 or email – matt@mccannltc.net.

If you want to get free quotes from all the top companies just click here.

You can learn more here in a very good education section about Long Term Health Care Planning. The website is www.McCannLTC.com.

#longtermcare   #letstalk   #JimNantz   #alzheimers

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