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Flexible Protection for a Healthy Retirement
Manage episode 439528496 series 3345764
Вміст надано Carol Dewey. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією Carol Dewey або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.
Episode Summary:
In this episode of Navigating an Abundant Retirement Radio, Carol dives into the importance of long-term care planning and flexible protection for a healthy retirement. She outlines common challenges retirees face and discusses strategies to ensure financial security without becoming a burden on family members.
Key Takeaways:
- Long-term care is a critical aspect of retirement planning, and Medicare generally does not cover these expenses.
- Flexible protection for a healthy retirement focuses on three key elements: protecting your family, your choices, and your financial assets.
- Hybrid insurance policies offer an alternative to traditional long-term care insurance, providing flexibility and additional coverage.
- A proactive conversation with family members about healthcare directives and long-term care options is essential.
Quotes:
- "You want to continue deciding where you live and what kind of care you receive as you get older."
- "It's more than a maybe that you'll need some kind of care—it's a probably."
- "Retirement success often comes down to creating as many options as possible."
Timestamps:
- (03:39) The importance of flexible protection
- (07:08) Long-term care insurance and ADLs
- (10:23) Home healthcare vs. nursing home care
- (14:51) Hybrid policies and underwriting process
- (16:54) Final thoughts on flexible protection
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Connect With Carol:
- www.perpetualwealthfinancial.com
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