People report they don't want to burden their spouse or children if assistance is needed to get around!

How not to become a burden! Take action to buy Long Term Care insurance. Buying means:

» The special pool of funds in your plan can be used by Spouse/Family to hire & look after professionals who will provide assistance.

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


What have others said about not wanting to be a burden? People explain in this two minute video some of the values of Long Term Care insurance. Mention is made why they did not want to burden family.

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

Buying also means your hard earned saving nest egg won't all be used. Thus, part will be there to:

» Continue to support your 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". It may be old but is very true today! Yes it's difficult to think or talk about an "unexpected" change in health. However, taking the difficult action now to prepare will make decisions on assistance in the future much easier. Planning is so so important.

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?

Many people, after thinking about what they would like, report a big concern is not wanting to run out of the money. Buying Long Term Care insurance is an effective way to solve this concern since:

  • Access to the pool of funds in your plan 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 is just pennies compared to the large amount of income and funds you would have to take from income & savings to pay them 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 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 your home or car insurance. BTW we all readily buy these.

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 Sharing Plan. Some assistance could be paid using income, some from savings/investments, and some funds to for an annual payment for some insurance. Sharing means you control the cost while gaining protection 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 C. Parker

John’s commitment to helping individuals prepare, in the most economical way, for needing help with day to day activities 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 to receive a copy of this useful little book written by Phyllis Shelton. It 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.