Long Term Care Planning

… “Isn’t it time we talk?”

Do you know what matters most to those you care about? Sometimes you think you know what your loved ones want, but have you actually discussed  it with them?

It’s natural to avoid topics that make you or your loved ones uncomfortable — like aging, health, and money. It may take a “wake-up” call for us to talk to the people we love about some of these big issues. But delaying these conversations may put you in a position that you’d rather not be in, and could have avoided. Trying to have conversations in the midst of a crisis without the luxury of time can be tough. And it can lead to spur of the moment decisions, which are more likely to be uninformed ones. On the other hand, having honest conversations now lets you know what your parents, spouse or other loved ones want. It gives you a chance to get important documents and policies in place and helps ensure they live life on their terms and as fully as possible. It also helps your loved ones know your wishes and your plans. Such talks can bring unexpected insights, intimacy, greater understanding and even resolution.


Long Term Care

The need for long-term care

Long-term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs.

Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes.

The need for long-term care can come at any age, regardless of health status. The fact is a person can need long-term care services at any age:

·         Forty (40%) percent of people currently receiving long-term care are adults 18 to 64.

·         Seventy (70%) percent of adults who live beyond age 65 will need some type of long-term care services.

Health insurance (including Medicare) generally only pays the cost of treating illness or injuries, including doctor visits, hospitalization, and lab tests. Many people believe they can rely on Medicare to pay for any long-term care services they will need. The fact is, Medicare does not pay for what comprises the majority of long-term care services – non-skilled assistance with the activities of daily living.

If you want to help protect your income and assets, long-term care insurance should be an essential part of your retirement plan. The costs of long-term care services can be staggering and could pose a threat to your financial independence during your retirement years.

Your choices for independence and financial security

Help maintain your dignity and your hard-earned savings. Have the flexibility and financial security to help ensure you receive appropriate care. The Greening Insurance Group provides long term care insurance options you need to help create a personalized plan that can make it easier for you to help protect and secure a healthy financial future.

Long Term Care Insurance for Individuals

If you ever have a long term illness or a chronic condition, you may require extended care at home, in an assisted living facility or nursing home. Long term care insurance (LTCI) may help cover these costs, which can be steep. LTCI can help you maintain your financial freedom and give you the flexibility to participate in making choices that impact your care — about the services you receive, where you receive them, and who provides the care you need.

Group Long Term Care Insurance

Greening Insurance Group offers comprehensive group long term care insurance (LTCI) programs that can showcase your organization as a forward-thinking employer. When offered as part of your benefits package, group long term care insurance (LTCI) can provide your employees with a way to help protect their savings and assets, their family and friends from the burden of care giving, and their ability to choose where care is received.

Linked Benefits

Managing risk is an important part of a sound financial strategy, both in terms of preserving the assets you’ve accumulated and protecting the legacy you plan to leave to loved ones. In today’s world, two important tools for managing risk are long term care and life insurance. Historically, you had to buy two separate insurance policies to get this essential protection. Now, you can buy Linked Benefits insurance, which combines life insurance and long term care insurance in one flexible life insurance product.

Caregiving Support Services

We have access to all leading Long Term Care Insurance Companies in the long term care insurance industry serving Wisconsin and Illinois with a clear and committed long term strategy that includes Caregiver Support Services. Learn about caregiving support benefits within select long term care insurance policies.

John Greening

608.843.4118 Madison,Wisconsin

847.901.3027 – Northfield, Illinois