It is a tax free income stream, separate from your retirement or investment assets, which pays for long term care services, thereby protecting lifestyle and legacy. As medical costs soar and government programs such as Medicare and Medicaid become marginalized, there are huge gaps in coverage for the costs associated with long term care. Private long term care insurance provides a cost-effective and comprehensive way for people to have a choice in where and how they want care provided.
As longevity continues to rise due to medical advances and healthier lifestyles, more Americans will need long term care. Once you reach age 80, there is an 80 % chance that you will need long term care in your lifetime. One of the biggest concerns we hear from our clients is that they don't want to become a burden to their loved ones, either physically or financially.
Long term care insurance ensures that the costs of care not covered by your primary insurance or Medicare are taken care of. Long term care costs are the largest unfunded risk to a client's nest egg and retirement portfolio.
As longevity continues to rise due to medical advances and healthier lifestyles, more Americans will need long term care. Once you reach age 80, there is an 80 % chance that you will need long term care in your lifetime. One of the biggest concerns we hear from our clients is that they don't want to become a burden to their loved ones, either physically or financially.
Long term care insurance ensures that the costs of care not covered by your primary insurance or Medicare are taken care of. Long term care costs are the largest unfunded risk to a client's nest egg and retirement portfolio.
Services
For over 15 years, our firm has been a trusted source of information on Long Term Care planning.
Our approach is consultative and educational, enabling clients to make confident decisions within a changing LTC landscape.
Karp Loshak Long Term Care Insurance Solutions helps consumers and advisors plan for long term care needs with customized solutions.
We take you from "conversation to contract" with expertise and independence to ensure successful outcomes.
As national experts and independent brokers, we are fiercely client focused and affiliate with all the leading LTC Insurance carriers.
Our approach is consultative and educational, enabling clients to make confident decisions within a changing LTC landscape.
Karp Loshak Long Term Care Insurance Solutions helps consumers and advisors plan for long term care needs with customized solutions.
We take you from "conversation to contract" with expertise and independence to ensure successful outcomes.
As national experts and independent brokers, we are fiercely client focused and affiliate with all the leading LTC Insurance carriers.
Natalie Karp, MBA, CLTC and Rona Loshak, MBA, CLTC are highly accredited, award-winning specialists in Long Term Care (LTC) Insurance and ranked by the American Association of Long Term Care Insurers as top professionals in New York State and the country since 2009.
In 2014, they were selected as a Goldman Sachs 10,000 Small Business.
Natalie's and Rona's expertise includes: Traditional Long Term Care Insurance, State Partnership Plans, Hybrid Life/LTC plans, Life with LTC riders, Annuity contracts with LTC benefits, Financing LTC Insurance, positioning LTC Insurance for tax and estate advantages, and group, multi-life, and employer-sponsored plans.
In 2014, they were selected as a Goldman Sachs 10,000 Small Business.
Natalie's and Rona's expertise includes: Traditional Long Term Care Insurance, State Partnership Plans, Hybrid Life/LTC plans, Life with LTC riders, Annuity contracts with LTC benefits, Financing LTC Insurance, positioning LTC Insurance for tax and estate advantages, and group, multi-life, and employer-sponsored plans.
I appreciate your kindness and assistance with my Long Term Care policy.
I am your new "walking billboard" and have referred a couple of co- workers to you already!
Thank you so much for an amazing job well done.
We really appreciate you.
There is no one else that knows the Long Term Care Insurance business better than Rona Loshak and her partner, Natalie Karp.
Thank you so much for your insightful presentation on Long Term Care Insurance.
I truly feel that the format of your program is concise and easy to follow, especially for those unfamiliar with the topic.
I am your new "walking billboard" and have referred a couple of co- workers to you already!
Thank you so much for an amazing job well done.
We really appreciate you.
There is no one else that knows the Long Term Care Insurance business better than Rona Loshak and her partner, Natalie Karp.
Thank you so much for your insightful presentation on Long Term Care Insurance.
I truly feel that the format of your program is concise and easy to follow, especially for those unfamiliar with the topic.
Karp Loshak LTC Insurance Solutions takes pride in its commitment to providing the highest level of services and has earned numerous accolades and accreditations.
Ranked by American Association for Long Term Care Insurance (AALTCI) as top Long term Care (LTC) professionals in the U.S. and New York State (2009 to present).
Ranked by American Association for Long Term Care Insurance (AALTCI) as top Long term Care (LTC) professionals in the U.S. and New York State (2009 to present).
Long Term Care and LTC Insurance is getting more attention due to longer life expectancy, changing family dynamics, and lack of government resources contributing to a critical need for planning.
Why will most of us need long term care?
We are living longer lives!
The economics of aging have changed dramatically because of life expectancies given medical advances and healthier lifestyles.
Gains in mortality have resulted in morbidity concerns -which means that chronic conditions of aging require assistance.
Why will most of us need long term care?
We are living longer lives!
The economics of aging have changed dramatically because of life expectancies given medical advances and healthier lifestyles.
Gains in mortality have resulted in morbidity concerns -which means that chronic conditions of aging require assistance.
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