![\"\"](\"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-content\/uploads\/sites\/9\/2022\/08\/LTCare1.png\")
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If you or a loved one turns out to need long-term care, you don\u2019t want to see a big chunk of hard-earned savings go down the drain to pay for it.<\/p>\n
A long-term care (LTC) insurance policy can help. As a bonus, qualified LTC policies deliver some tax breaks. Here\u2019s what you need to know:<\/p>\n
How does LTC insurance work?<\/strong><\/p>\n Benefits paid under an LTC policy are usually stated as daily maximums, typically ranging from $50 to $500. You choose the benefit level appropriate for your needs, and you are reimbursed up to the amount chosen. An LTC policy with a monthly benefit reimburses you for a stated amount per month, regardless of how many days you receive care or the cost for those days.<\/p>\n You can buy an LTC policy with or without automatic annual inflation adjustments to your benefit maximums. Usually, the annual inflation-adjustment rate is 3% to 5%, and that rate can be compounded annually or not. Choosing a 5% compounded inflation-adjustment feature is more expensive.<\/p>\n While lower benefits naturally translate into lower premiums, don\u2019t get carried away with cost savings because long-term care can be expensive.<\/p>\n <\/p>\n How does LTC insurance work? Are you or your family members protected? If you have questions, lets start a conversation from my info posted below.<\/p>\n <\/p>\n <\/p>\n INSURANCE SPECIALIST for LONG TERM CARE, LIFE INSURANCE, ANNUITIES, How does LTC insurance work? If you or a loved one turns out to need long-term care, you don\u2019t want to see a big chunk of hard-earned savings go down the drain to pay for it. A long-term care (LTC) insurance policy can help. As a bonus, qualified LTC policies deliver some tax breaks. […]<\/p>\n","protected":false},"author":1,"featured_media":313,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"_links":{"self":[{"href":"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-json\/wp\/v2\/posts\/311"}],"collection":[{"href":"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-json\/wp\/v2\/comments?post=311"}],"version-history":[{"count":1,"href":"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-json\/wp\/v2\/posts\/311\/revisions"}],"predecessor-version":[{"id":314,"href":"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-json\/wp\/v2\/posts\/311\/revisions\/314"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-json\/wp\/v2\/media\/313"}],"wp:attachment":[{"href":"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-json\/wp\/v2\/media?parent=311"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-json\/wp\/v2\/categories?post=311"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topindependentinsuranceagents.com\/agent\/kate-wilde\/wp-json\/wp\/v2\/tags?post=311"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Please contact me from the info below!<\/h3>\n
KATE WILDE, CLTC
\n<\/b>katewildeltc@gmail.com<\/h3>\n813-966-8895<\/a>
\n<\/b><\/h3>\n\n![\"\"](\"https:\/\/rockachee1.od1.vtiger.com\/test\/upload\/images\/UntitledDesign-2020-11-28T053649.404.png\")
\u200b<\/span><\/span><\/div>\n<\/div>\n
\nHYBRIDS, AND COMBINATION PRODUCTS<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"