LTC – DBS

Legislation Addressing Long-Term Care: An Urgent Matter

Why Addressing Long-Term Care is an Urgent Matter Virtually all demographic trends in the United States point to large future increases in the demand for long-term care services and support. By 2050, an estimated 27 million people will need long-term care support.i The population over 65 will almost double by 2050.ii The population age 85 […]

6 Reasons Women Need Long-Term Care

Long-term care planning is important for everyone, but it is arguably most important for women. Why? Longevity and caregiving. 1) Women live longer than men. Women outlive men by about five years on average. Women who are married tend to outlive their husbands. A woman born in 1960 has a life expectancy of 73 years, […]

Who Cares? You Should – The Status of State Long-Term Care

By Terri Getman, JD, CLU, ChFC, RICP, AEP (Distinguished) Situation: Public policy makers face a problem – how to pay for the cost of long-term care for people who are no longer able to take care of themselves. With the chances of needing long-term care services exceeding fifty percent for individuals turning 65 today, the […]

10 Reasons Why You Should Talk LTC With your Clients

Many financial professionals put off the all important long-term care conversations with their clients, because it can be uncomfortable if the client is reluctant. However, as a professional, it’s one of the most important discussions to have. If you need inspiration, here are 10 reasons why you should talk to them NOW, sooner rather than […]

Linked Benefit Products: A Few Facts

Have you talked with your clients about their long-term care needs? Have the conversation today… and include a discussion of the many linked benefit options DBS has available. Read more in our print-friendly PDF!

Why Addressing Long-Term Care is an Urgent Matter

Virtually all demographic trends in the United States point to large future increases in the demand for long-term care services and support. By 2050, an estimated 27 million people will need long-term care support. The population over 65 will almost double by 2050. The population age 85 or older is set to double between 2015 […]

4 Types of LTC Funding

No one really likes to think about needing long-term health care services, but the reality is that each year, an estimated 10 million Americans need some type of long-term care to assist them in performing everyday tasks like eating or bathing1. Long-term care expenses are a key risk to your clients’ retirement plan. If long-term […]

Where a Child Desires Long-Term Care Coverage on a Parent

We’re focusing this month on Life Insurance and Family, with a special focus on generational planning. A recent case shows how the DBS team works for YOU to create solutions! Situation: An adult child desired to purchase a life insurance policy with a longterm care or chronic illness feature on his elderly mother to help […]

Overcoming Common Client Objections to the Long-Term Care Discussion

Most people think that unpleasant things like serious illness are more likely to happen to others than to themselves. As a matter of fact, most Americans believe they won’t need long-term care, even though the U.S. Department of Health and Human Services estimates that 70% of all individuals turning 65 will need some form of […]