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Modern LTC Solutions

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LET'S PROTECT
YOUR RETIREMENT

We Specialize in Protecting Against the Single Largest Threat

to Your Retirement Savings and the Well-Being of Your Family.


LONG TERM CARE



In recent years, Long-Term Care has emerged as the single largest threat to
retirees, their savings, and the well-being of their families. With ongoing
medical advances and new innovative prescription drugs, our life expectancies
continue to increase, resulting in a greater need for care along the way.
Whether it be Home Health Care, Assisted Living, or a Nursing Home Facility, the
need is real and the thought of buying a Long-Term Care policy to address the
issue is not only unappealing, but is also becoming an antiquated approach to
covering this expense.

WE OFFER A BETTER WAY.


VIDEO




WHAT WE ARE UP AGAINST



According to a study conducted by Genworth, it is estimated that:

 * Approximately 69% of Americans 65 years old or older will need some form of
   Long-Term Care in their lifetime,
 * Yet, ONLY 3% of Americans 65 years old or older have addressed Long-Term
   Care.

In other words, 69 out of every 100 seniors 65 and older will need care yet only
3 out of every 100 have taken the necessary steps to address the issue.

With Long-Term Care claims averaging approximately 3 years, this can devastate
the retirement savings you spent a lifetime accumulating. Even if you could
afford to fully self-fund, would it make sense to learn how you can
substantially reduce this cost? What if instead of paying costly long-term care
insurance premiums that may never be recouped, this could all be accomplished by
a simple repositioning of a portion of assets that you already have, while
keeping them in your estate to be passed along to your heirs if you are one of
the fortunate 31% who don’t need the care?

0 %
The percent of Americans 65 or older who will experience a Long-Term Care event.
0 %
The percent of Americans 65 or older who HAVE NOT prepared for a Long-Term Care
event.


COMMON MISCONCEPTIONS



As the numbers indicate, Long Term Care is an issue the majority of Americans
will deal with in their lifetime, yet the overwhelming majority of Americans are
not prepared.  Some of the reasons they fail to prepare, include:

They mistakenly believe Long-Term Care insurance is the only way to address the
issue.

o   While long-term care insurance is one way to address the issue, there is a
better way that avoids the multiple pitfalls inherent to this insurance.

They believe they’ll be one of the fortunate 31% who won’t have to deal with the
issue personally.

o   While this may be true, the odds are against it and, furthermore, if
married, the odds are even greater that at least one spouse will be afflicted,
leaving the other to provide the necessary care with little to no support from
needed professionals.

They believe Medicare/Medicaid will cover their need.

o   While these organizations offer some services relating to Long-Term Care,
they have stringent requirements to qualify and offer services at a basic level
much lower than most people desire.

They believe they have sufficient funds to cover the cost of a Long-Term Care
event.

o   Many people have sufficient funds to self-fund, but why do so when you can
reduce the cost substantially with a simple repositioning of a portion of your
savings?


TESTIMONIALS


Alex and Jennifer

"We never addressed long-term care because we didn't know there were any
alternatives other than long-term care insurance and found that to be extremely
expensive. We're so glad we met with Bob at Whitestone Long Term Care. He opened
our eyes to better alternatives that made more sense and didn't require us to
pay those costly long-term care insurance premiums. We highly recommend talking
with one of the Whitestone professionals if you're interested in protecting your
savings like we were."

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Armando

"My Mom recently passed after 2 years in an assisted living center and 2 more
years in Memory Care after her dementia progressed. Mom and Dad never believed
it would happen to them and as a result, never addressed long-term care. After
this experience, my wife and I met with Kevin and we were extremely surprised to
learn there was a much better way to address the matter than buying long-term
care insurance. Kevin is extremely knowledgeable, and took the time to truly
understand exactly what our concerns were and provided us with a plan that was
best for us."

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Jim and Cheryl P.

We just wanted to say thank you to Bob and Steve for all of their help. They
took the time to understand our concerns, our goals, and explained our options
in great detail. We were so relieved to find out there was a much better option
than long-term care insurance to protect us if we ever face the need for
long-term care. Thanks for also explaining how Medicare and Medicaid work. The
level of long-term care benefits of those programs and requirements to qualify
weren't what we thought they would be. Thanks again.

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CONTACT US

If you'd like to learn more about how you might be able to protect your
retirement savings from the ravages of a long-term care event, please complete
the short form below or call us at 248 579-4555 for your complimentary
consultation.

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