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Published:July 14th, 2012 09:43 EST
Online Calculator and Free Online Daycare Guidance Service Offered by LTC

Online Calculator and Free Online Daycare Guidance Service Offered by LTC

By SOP newswire

On June 28, 2012, LTC Partners & Insurance Services, with offices in Citrus Heights, announced a free service to help consumers learn about the financial risk of needing long-term care someday, and how to manage the risk. The service blends the best of technology with the best of humanity: real, live advisors on the phone. It`s a simple two-step process:

STEP 1: The consumer goes online to use a Cost-for-Care calculator that displays the going rate for care in their state or metropolitan area. The calculator shows costs per day, month, or year for care in a nursing home, assisted living facility, adult day care center, or one`s own home with a health aide.

STEP 2: The consumer then places a call to a local advisor, Sandra Stanley in this area, to learn their options for managing the costs through LTC insurance.

"Step 1 is likely to blow people`s minds," says Stanley, Citrus Heights-based agent with LTC Partners & Insurance Services. "Most people have no idea how expensive care can be. It`s through the roof now and likely to be in the stratosphere years from now when they need it."

Step 2 may be an eye-opener too, but in the opposite direction, according to Stanley. "Most people have no idea how affordable LTC insurance premiums can be, especially if they shop around and sign up early." When consumers call Stanley, they first answer questions about their age, health, state of residence, financial situation, and care benefits they want. Stanley, who is a licensed agent specializing in this coverage, then responds by supplying costs for policies from competing carriers. "Rates can vary widely depending on the carrier and other factors," says Stanley.

The calculator, supplied by one of the carriers LTCFP represents, is available at Stanley may be reached at 888-316-8919 .

Stanley is a leading long-term care insurance agent in CA, serving consumers as well as organizations seeking long-term care insurance. "We`re glad to help them find the best, most affordable policy for their situation," Stanley says.