A Note From Karen R.

Welcome and thank you for taking the time to visit our site! I encourage you to take advantage of the tools and information we supply.  They are designed to help you reach an intelligent, informed decision about whether long-term care insurance is appropriate for you.

People work with me because of my expertise in long-term care insurance, professional experience in extended care facilities and my commitmemt to serve with integrity.  What this means is YOU are in control, as well as better educated and prepared for the inevitable family and money issues you will face due to living a long life.  The benefit is peace of mind, security and confidence.   

After you have had time to review our information and work with our LTCI Planning Tools, we will be happy to address any questions or concerns you might have regarding long-term care or long-term care insurance.  Feel fee to call us at 513-821-5824, send an email at karenrosenthal@fuse.net  or just click "Request Info" below to ask a question!  

Thank you again for visiting.  I look forward to assisting you in the near future! 

"Living a long life is a near certainty and planning for it is an absolute necessity!" 

 

 

 

 

Welcome!

 

Click Here for a FREE Long Term Care Planning Guide

Our goal is to help you better understand Long-Term Care and how Long-Term Care Insurance can help you protect your hard-earned assets. This website has pertinent information and interactive tools that will help you understand not only Long-Term Care but also the potential financial ramifications of a Long-Term Care need. We invite you to take your time and explore this information at your leisure, and if you have any questions, please feel free to contact us.

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What is your plan for living a long life?  

 

My mother's plan initially was to "stay put" at home and hope somehow everything would "work out". . . Mom was quite certain that she would never end up in a care facility.  She emphatically said "You'll have to drag me out of the house kicking and screaming to get me to leave." She was referring to my childhood home, the house she and Dad built in suburban St. Louis, MO when they married.     

While living in another state and working in health information management in hospitals, I decided to return to school.  I earned a Masters in Hospital and Health Administration from Xavier University in Cincinnati.  Because I enjoyed the elderly I focused on Long-Term Care Administration.  Soon I was working in retirement communities and nursing facilities. 

In the nursing homes I witnessed the plight of countless women and men who never dreamed they would end up there!  I was always hearing "I want to go home." I realized that I couldn't change the situation or surroundings for these nursing home residents but I COULD help others who were younger and healthier.  

It felt right to change my career path from nursing home administrator to long-term care insurance advisor.  By planning ahead, individuals and couples can prevent loss of life savings, being institutionalized and burnout of family caregivers in the event of a difficult chronic care situation.   

When she was in her upper 70's, Mom decided to apply for LTC insurance with me as her agent.  She was very lucky to have qualified medically for her policy.  If she had waited even 6 more months to apply for coverage she would have been turned down due to new diagnoses of diabetes and heart disease! 

Mom's independent, strong-willed attitude kept her going through her years of declining health.  She still insisted she would never leave her home.  She went through multiple periods of rehabilitation in nursing facilities after falls and surgeries.  Then she would return home, receive home health care, improve and say "See, I'm fine."   Until she wasn't . . . Once again she was in a skilled rehab facility expecting to be released to home "any day now."  One morning her doctor walked into her semi-private rehab room and announced that home was no longer an option.   Living alone in a house with stairs was not safe for her.  Mom had only a few days to figure out where she was going to live!   

While initially very sad at the realization she could not return home, she remembered that her long-term care insurance policy could help her live comfortably in an Assisted Living facility of HER CHOICE.  It would help her have dignity and control over her life.  Her policy benefits kicked in shortly after that.

At age 90 Mom sold her home and moved into a new Assisted Living facility in St. Charles, MO, not far from my brothers.  Her apartment was filled with her own furniture and carefully selected cherished belongings.  On her bedroom wall was a gift from her realtor, a watercolor painting of her home of 60 years!  While Mom was challenged physically, her mind was sharp. She kept up with baseball, politics and family.  She exercised her memory by learning the names of every resident and staff member!  She advocated for healthy menus while on the Residents' Committee.  Mom lived there almost 4 years and nearly exhausted her policy benefits at the time of her passing in 2013.  

What I recall vividly are her words to me about a year after she settled into her new life in Assisted Living.  With her eyes welling up, she expressed how grateful she was to have her long-term care insurance policy. Why was she grateful? Because the monthly benefit payout meant she didn't have to invade her investment principal (which was quite important to her).  She was able to afford a better care facility than she would have otherwise (also important to her). Mom was also glad she didn't have to rely on family members to care for her (extremely important to her!). She also expressed concern that her benefits might run out (which did not happen).  She told me these things on other occasions too.    

I hope that none of my LTC insurance policyholders need to file a claim.  However, if they did, they will be glad they hoped for the best and planned for the worst, just like my mother.  

In essence, Mom bought herself peace of mind and was happy she did.  

Karen Rau Rosenthal

 

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