Plan to Take Control of Your Long Term Care

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We cannot predict the future but we can plan for it today.

The phrase "long-term care" refers to the help that people with chronic illnesses, disabilities or other conditions need on a daily basis over an extended period of time. The type of help needed can range from assistance with simple activities (such as bathing, dressing and eating) to skilled care that's provided by nurses, therapists or other professionals.

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Protecting families.
Providing options.

Policies offer many different coverage options. Since you can't predict what your future long-term care needs will be, you may want to buy a policy with flexible options. Depending on the policy options you select, long-term care insurance can help you pay for the care you need, whether you are living at home or in an assisted living facility or nursing home. The insurance might also pay expenses for care coordination and other services. Some policies will even help pay costs associated with modifying your home so you can keep living in it safely.

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Factors to Consider

Your Age and Health


Policies cost less if purchased when you're younger and in good health. If you're older or have a serious health condition, you may not be able to get coverage — and if you do, you may have to spend considerably more.

Your Support System


You may have family and friends who can provide some of your long-term care should you need it. Think about whether or not you would want their help and how much you can reasonably expect from them.

Your Savings and Investments


A financial adviser — or a lawyer who specializes in elder law or estate planning — can advise you about ways to save for future long-term care expenses and the pros and cons of purchasing long-term care insurance.

"I would highly recommend making the investment of purchasing a Long Term Care Policy. My dad purchased a policy over twenty years ago and became ill four years ago. My mother and I had the peace of mind that there was not a financial burden on the family... If compared to the cost of not having a policy, an average financial responsibility could easily exceed $150,000 per year..."

-Andrew L.

Download the 2019 Consumer Guide

Want to learn more about Long Term Care Insurance? Download the 2019 Consumer Guide!

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"We were not prepared when my Dad got sick. We had so many questions, we were so confused now there is a one-stop resource to prevent that in the future."

-Maria S.

Long Term Experience


Susan Allen

Susan has been a practicing certified financial planner since 1987. She has been helping Bucks County residents with their financial goals of financial security for retirement. She is also a certified long term care specialists. Planning for future medical cost is so important the cost of an uninsured long term care illness will impact cash flow and investments. Our firm is dedicated to help families by providing independent an objective solutions to reduce the impact of a long term illness.


Laura Heflin

After suffering a long term care situation within her own family and witnessing the devastation caused by not having a proper plan in place, Laura's passion has been helping families and individuals understand the importance of having a plan to maintain their independence and protect their assets prior to a long term care event. She works as an intrical part of the Affordable Long Term Care team, focusing on communication and researching advancements made within the Long Term Care industry. She has been a speaker at health care symposiums discussing Long Term Care insurance and has been a member of Certification for Long Term Care since 2012.


Chris Tamagno

Chris has been in the insurance and financial industry since 2003. After graduating from West Chester University he began his career with Hartford Life subsidiary Planco Financial Services in Wayne, Pennsylvania. Since 2006 Chris has been helping local families with retirement and insurance needs.

Chris believes that within 10 years advisors, accountants and insurance agents with look at Long Term Care Insurance as the first building block in creating a financial plan. Without this in place financial professionals are neglecting a major financial tool that can protect families and save legacies.

Our team is here to help you complete your financial vision. Let us help you find the right solution for your Long Term Care needs.

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