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Flexible Protection for a Healthy Retirement
Manage episode 439528496 series 3345764
Nội dung được cung cấp bởi Carol Dewey. Tất cả nội dung podcast bao gồm các tập, đồ họa và mô tả podcast đều được Carol Dewey hoặc đối tác nền tảng podcast của họ tải lên và cung cấp trực tiếp. Nếu bạn cho rằng ai đó đang sử dụng tác phẩm có bản quyền của bạn mà không có sự cho phép của bạn, bạn có thể làm theo quy trình được nêu ở đây https://vi.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
Please leave us a rating and a review on Apple Podcast.
Connect With Carol:
- www.perpetualwealthfinancial.com
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