ICW Journal Insights

The great Satchel Page, who played professional baseball until age 59, once asked: “How old would you be if you didn’t know how old you are?” There’s no doubt many of us remain young at heart throughout our lives. Unfortunately, our bodies follow a different script: In retirement, we can count on our healthcare needs

Once people start to learn about Long-Term Care Insurance (LTCI), they often have questions. Here, we answer those we hear most often. What is the underwriting process for LTCI? Whether you’re considering a traditional or asset-based LTCI plan, step 1 of the process is to answer a preliminary health questionnaire. This helps to determine which

While many people think they know what Long-Term Care Insurance (LTCI) is, there are many misconceptions out there. Here, we review three important facts to help you gain a clearer understanding of LTCI. Fact #1:  Medicare Isn’t the Same as Long-Term Care Insurance According to AARP, a surprising number of people still believe that Medicare will cover

You’ve heard about Long-Term Care Insurance (LTCI), but do you really know what it is, not to mention if you need it?  LTCI reimburses policyholders a fixed daily or monthly amount when they require assistance with two of six specific activities of daily living or because of cognitive impairment due to Alzheimer’s disease.  The six

For most people, retirement is a time to say goodbye to many of the stresses of our working lives. But it’s important to recognize that the transition into retirement is full of decisions and deadlines – and it’s important to navigate them diligently. That brings us to an important area that too many people are