People report they don't want to burden their spouse or children!

So what should you do if you were to need assistance to get around? Buy Long Term Care insurance. Taking action to buy means:

» Your Spouse/Family can hire & look after professionals to provide assistance with the special pool of funds in the plan.

» Your children won't have to change their life to come help you!


This two minute video shares some values of Long Term Care insurance. People mention why they did not want to burden family.

The above video was created by Life Happens a non profit insurance education organization I support. Two other videos highlight:

Buying also respond to the desire of many people to not use up their hard earned saving nest egg. Thus, part will be there to:

» Continue to support a spouse or,

» To leave a legacy which says to others:

     - They used their funds to help others not themselves.

Many people say their change in health was "unexpected".

There is an old saying - "Life is what happens when you are making other plans" which is very true today! It's difficult to think or talk about an "unexpected" change in health but taking this difficult action now means decisions on assistance in the future will be much easier.

Each persons situation is different but these questions may be useful in thinking about how you want to be taken care of:

  • Do you want to stay at home if assistance is needed?
  • Do you want professionals to assist?
  • Do you have a pile of money you can draw on to pay for this very expensive help? Could family help you pay?

Buying Long Term Care insurance is an effective way to solve the "running out of money" concern since:

  • The plans pool of funds protects your hard earned savings.
  • You will   Be in Control of your living situation — can Maintain Dignity — will not Burden loved ones.

Have a Question?

You found information and need help figuring out what it all means!

Call John today -

(860) 739-0005

for answers and to talk about the values you and your family gain by insuring your savings nest egg and income.


Isn't Long Term Care insurance expensive?

Yes & No! Professionals to provide assistance here in CT are very expensive so the cost of buying this special protection is high. However, this cost even when paid for a long time is just pennies compared to the very large amount you would have to take from income & savings to pay for help yourself.

For some individuals Long Term Care insurance's special age based tax deduction may help lower their cost.

Will help really be needed?

No one knows or can predict what is going to happen in 5 or 10 years or even tomorrow. However, we do know the risk something will is much higher than the risk you will need the home or car insurance we readily buy.

Helping Connecticut residents.

Surveys report health related insurance is confusing, frustrating, and overwhelming. Thus, John's focus as a professional Long Term Care insurance (LTCi) advisor is to:

» First - Eliminate the confusion and help you understand how the certainty of paying a known amount for a plan is much better than the uncertainty (it's big!) of paying an unknown amount (could be significant) for assistance.

» Second - Create a plan to share cost. Some assistance could be paid using income and some from savings/investments. Sharing means you will have funds for an annual payment for some insurance to pay for at least part of the professional support!

» Third - Share insights by regularly updating these pages. They were developed to provide information to help you make an informed and effective decision on this complicated insurance:

Additional insights are posted periodically on the Long Term Care insurance in Connecticut blog.

John C Parker, has achieved professional designations as a Long Term Care Insurance professional and a Registered Health Underwriter. John is licensed to conduct business in CT (644135) and RI (1058420) and does not solicit or sell in other states.

This site shares insights from extensive involvement in professional associations, industry conferences, working with leading Long Term Care Insurance organizations, and individual research. These pages do not advocate a specific company or plan.


Insightful advice - no cost to you.

John’s commitment to helping individuals prepare for needing help with day to day activities, in the most economical way, is rooted in parents needing long term services.

Call Now for a Free Consultation [860.739.0005]


Free Little Book

The ABC's of Long Term Care Insurance

Connecticut residents - send a note with your address and this little book will be mailed to you. Lots of useful information from Phyllis Shelton can help determine if Long Term Care insurance is right for you and your family.

eMail John for a free copy »

Call John today - (860) 739-0005 - we can visit; answer questions; and there will be no pressure. The meeting is free too.