Long-Term Care: Know Your Options
Date: Tuesday, June 20th
⏰ Time: 6:30 CST – 7:30 CST
🌐 Location: Online
Are you or a loved one navigating the complex world of long-term care? Gain the confidence and understanding you need by attending our exclusive webinar, designed specifically for consumers like you!
During this empowering session, you’ll discover:
✅ Key factors to consider when planning for long-term care
✅ Tips for navigating insurance coverage and financing options
✅ Insights into different types of long-term care insurance available
✅ Strategies for maintaining quality of life and independence
✅ Essential information for choosing the right care provider
✅ Medicaid: How to qualify without “spending down” everything
Charlie Gipple, CFP®, CLU®, ChFC®, well-versed in long-term care, will share valuable advice and answer your burning questions. Whether you’re a family caregiver or an individual seeking long-term care solutions, this webinar is tailored to meet your needs.
Don’t miss out on this opportunity to gain the knowledge and tools necessary to make informed decisions about long-term care. Together, let’s empower ourselves and our loved ones for a brighter future.
👉 Click below to reserve your spot.
Secure your place now and join us in unlocking the key to a successful long-term care journey. We can’t wait to connect with you! 💙
About the Speaker: Charlie Gipple, CFP, CLU, ChFC
Charlie Gipple, CFP®, CLU®, ChFC® is the owner of CG Financial Group who’s #1 mission is to ensure his clients achieve the retirements of their dreams.
Gipple is known throughout the financial services industry and the media as one of the foremost educators and thought leaders in the areas of Social Security, financial planning, retirement planning, life insurance, and long-term care. He has conducted hundreds of agent and client educational seminars over the last two decades; ranging from small 1/1 sessions to large national meetings such as the Million Dollar Round Table, Top of the Table. As a former executive of various insurance companies, he is a sought-after keynote speaker for many types of events and topics and has also appeared in many media outlets where he provides advice on all things retirement and insurance. He is currently a financial columnist with Broker World; one of the foremost publications in the industry for life insurance, annuities and long-term care.
Charlie has earned the Certifed Financial Planner®, Chartered Life Underwriter® and Chartered Financial Consultant® designations and also holds the FINRA Series 66 (Investment Advisor representative) and Series 7 securities registrations*. He received his Bachelor of Arts Degree in Finance from the University of Northern Iowa.
Charlie was born in Atlantic, Iowa and went to high school in Corning, Iowa. He has been married to Noelle Gipple for over twenty years and has two sons; Seth (16) and Matthew (13), who love basketball.
Long-Term Care Statistics
As the below statistics demonstrate, Long-Term Care is not only a probable risk that you will experience in retirement, it can also be financially catastrophic. Furthermore, Long-Term Care is not just about the person needing care, it is also about the caregiver and the family.
7 in 10
The likelihood of needing LTC services if you are age 65 or older.
$61,776/year
The nationwide median cost of in-home care.
$108,408/year
The nationwide median cost of a private room in a nursing home.
63%
Percent of caregivers that used their own retirement funds and savings to pay for the care of another.
100 days
The number of days that Medicare can “possibly” pay for Long-Term Care services. However, there are requirements for this.
$3,000
The dollar amount you must “spend down” your countable assets to in order to qualify for Medicaid in most states.
Get the Information You Need Before it is too late
Many times consumers seek Long-Term Care solutions only after they have been diagnosed with a condition, experienced cognitive impairment, or just realized they can no longer do activities like they used to. When this happens, it is too late many times. Take an hour to educate yourself right now. Don’t delay.
“What used to kill us, we are living beyond, just in an altered state”
Options that we will discuss on the Webinar
Traditional Long-Term Care Insurance
We will show a case study using traditional LTC Insurance and also discuss the pros and cons.
Hybrid Annuity/Long-Term Care
We will discuss this newer entry into the Long-Term Care world – Hybrid Annuity/LTC. This is where your deposit immediately triples or quadruples for purposes of Long-Term Care.
Hybrid Life Insurance/Long-Term Care
You used to have to pass away for somebody to get the death benefit. Now, you can get the death benefit if you need Long-Term Care. Even better, you can sometimes get multiples of the death benefit for LTC purposes!!
Medicaid: The Last Resort
We will discuss how you can protect your assets (investments, farm, house, etc) if you or your spouse need to pay for care but have not previously purchased a Long-Term Care solution.
"The options available today for Long-Term Care did not exist a short time ago. Consumers really need educated on the new solutions available to them"
– Charlie Gipple, CFP, CLU, ChFC
$315,000
The dollar amount that a couple turning age 65 today can expect to spend on healthcare expenses over their retirements.
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