People report they don't want to burden their spouse or children with helping them with day to day activities!

You avoid becoming a burden when you buy Long Term Care insurance. Taking this action means your:

» Spouse/Family will have access to a special pool of funds to hire professionals to provide your assistance.

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

Learn in this Life Happens video (2 minutes) why people did not want to burden family.

Life Happens, a non profit insurance education organization I support, has two other useful videos:

Buying also means a person's hard earned saving nest egg won't be used up thus they will have funds to:

» Continue to support a spouse or,

» Leave a legacy to a favorite organization which says to others:

     - They helped others with their funds 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"! This is so so true today so it's very important to think about an "unexpected" change in health. It is difficult to do but taking action now means decisions on assistance in the future will be much easier.

These questions may help you think about what to do if assistance is needed:

  • Do you want to stay at home?
  • Do you have a pile of money to pay for very expensive professionals? Could family help you pay?

People report "running out of money" is a very Big Concern. Buying Long Term Care insurance eliminates this concern and means:

  • Their hard earned savings will be protected since the plans pool of funds is there to pay for assistance!
  • They will   Be in Control of their 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!

    Yes the cost of buying is high because its very expense to hire assistance professionals here in CT.

    No even when paying over a long time the amount is just pennies compared to all the money you would have to take from income & savings if you were to pay for help yourself.

Some individuals may be able to lower the cost of their Long Term Care insurance with the special age based tax deduction.

Will help really be needed?

No one knows or can predict what is going to happen tomorrow or in 5 or 10 years. However, we do know the risk something will is much higher than the risk the home or car insurance will be needed, which 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 plus 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 Help lower the cost of a plan. How? Create a plan with a lower Monthly Benefit so some funds will be there to hire professional support and if additional assistance is needed income and savings/investments will be used.

» ThirdShare information and insights to help you make an informed and effective decision on this complicated insurance by regularly updating these pages:

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.