BIRDSEYE FINANCIAL SERVICES (360) 722-7889
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LONG-TERM CARE
When we get older we have the concern for the cost of our care. We know the cost is not cheap and in fact it can be very expensive. The main four types of care consist of Home Health, Assisted Living, Nursing Home, and Alzheimer's. 

WHO WILL USE LONG-TERM CARE?
With over 70% of the population at age 80 using some form of Long-Term care services it is no wonder why the cost is high. 
PLAN TYPE OPTIONS
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Traditional Long-Term Care Policy with a partnership program benefit
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Cash Value Life Insurance with Long-Term Care Rider Benefit
Cost of Care Calculator
More Info
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*** Rates vary by state and change yearly. This is just for educational use only.

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WHAT ABOUT FUTURE COST???
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DIFFERENT TYPES OF LONG-TERM CARE
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WHO MIGHT PAY FOR YOUR LONG-TERM CARE COSTS?
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Long Term Care Services
Home Health Care
A home health care provider visits your home for a few hours or up to 24 hours per day.
​

Adult Day Care
Adult Day Care Facilities are for those who have caregivers at home. Adult day care provides care while the primary caregiver goes to work or attends to personal matters such as shopping or banking. This option can help to keep the patient out of a nursing home.

Assisted Living
Assisted living facilities are for people who need minor assistance due to cognitive impairment or with their activities of daily living. These facilities can be a very good alternative to nursing homes and often provide many activities for their residents. Residents can have their own apartment where they may be able to bring their own furniture.

Nursing Homes
This setting which provides 24-hour care. There are options for private rooms but semi-private rooms are most common. Over 40 percent of all long term care is provided in a nursing home.
How Life Insurance works and LTC work together
EXAMPLE ONLY
If a person is purchased a $300,000 Universal Life Policy for  $200,000 with  a single payment, then the client would have labout $300,000 of Long-term Care benefit for only the cost of $200,000 (About a 50% enhancement).
Death Benefit (DB) - $300,000
Cash Value (CV) - $200,000
Long-Term Care - $300,000 (approx)


*** 
This is for educational purpose only and all numbers may differ. Please see a hypothetical illustration for more detail
Example #1 - What if the client had Qualified Long-Term Care Needs of $100,000
Death Benefit (DB)
$300,000 - $100,000 = $200,000 Remaining
Cash Value (CV)
$200,000 - $100,000 = $100,000 Remaining
Example #2 - What if the client had Qualified Long-Term Care Needs of $250,000
Death Benefit (DB)
$300,000 - $250,000 = $50,000 Remaining
Cash Value (CV)
$200,000 - $200,000 = $0 Remaining
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Birdseye Financial Services
​
136 Hillside Drive E
Burleson, TX 76028

​
Client Resources
Main # 360-722-7889
Texas # 817-717-1487
Fax #425-412-6865

​
[email protected]

birdseyefinancial.com
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CLICK TO READ OUR FULL DISCLOSURE
The information contained herein: (1) is proprietary to Birdseye Financial Group and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Any information herein about providers, speakers, and services does not constitute a recommendation or endorsement. This material is not to be distributed without the express written consent of Birdseye Financial. Regarding your financial situation, you should consult with a financial professional before acting on specific actions or suggestions given. For legal or tax advice, you should contact your qualified attorney or CPA. Insurance and tax planning services are offered through Birdseye Financial. Investing involves risk, including the potential loss of principal. No market investment strategy can guarantee a profit or protect against loss during declining values. ​Fiduciary Investment Advisory Services are offered through Simplicity Asset Management, an SEC-Registered Investment Advisor. Registration does not denote any level of skill or qualification.

MEDICARE MANDATORY DISCLAIMER
“We may not offer every plan available in your area. ​Please get in touch with Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.” All calls regarding Medicare may be recorded by phone or online and a SCOPE of appointment required by Medicare will be obtained 48 hours before any sales meeting to discuss plan details. (NOTE - The organizations and plans can vary by state and county, we can validate these numbers upon request.)

State Licenses
LICENSES: AZ #7101306, CA #4140429, FL #W825259, GA #3621424, ID #863617, KS #7101306, MA #2176921, NV#3879853, NC #7101306, OK #3001663224, OR #7101306, TX #2695866, WA #190780. Note that in California, our DBA is Birdseye Financial and Insurance Services. The current license status may increase or decrease without being updated on this site. ​If you have any questions, please don't hesitate to ask.

PRIVACY POLICY       OPT-IN PROCESS
  • Home
  • About
    • Who We Are >
      • Explore More
    • Corbin Lindsey, Advisor
    • Our Reviews
    • Get Started
    • Risk & Portfolio Assessment
    • Request Free Consultation
  • Strategies
    • Key Components
    • Sequence of Returns
    • Volatility Buffer >
      • Volatility Buffer Webinar
    • Tax Strategies >
      • Tax Free Income
      • RMD Calculator
      • IRA RMD RULES
      • ROTH IRA
      • ROTH Conversion
      • Tax Declassified Webinar
      • Qualified Charitable Donation
      • Business Tax Credit
    • Inflation Impact
    • Educational Videos >
      • Documentaries
      • Educational Webinars >
        • Taxes Declassified
        • Top 10 IRA Mistakes
        • Taxes in Retirement
        • 3 Economic Strategies
        • Five Key Areas of Retirement
    • Recommendations >
      • ROTH Conversions
      • Volatility Buffer
      • Tax-Free Income
      • Wealth Transfer
    • Premium Finance
  • Planning
    • Retirement Analysis >
      • RA Sample
    • Social Security >
      • Social Security Webinar
    • Pension Maximization
    • Risk Analysis and Investments
    • LifePro Asset Management >
      • Questionnaire
    • Estate Planning
    • Federal Benefits >
      • Federal Benefit Kit
    • WA Retirement Systems
    • Boeing Retirement >
      • Boeing Webinar
      • Boeing Download
      • Boeing Calendar
      • Boeing Retirement
    • Business Planning >
      • Tax Free Multiplier
      • Business Tax Credit >
        • Resources
      • Employee Retention Tax Credit
      • Research & Development Tax Credit
  • Insurance
    • Annuities >
      • Annuity Resources
      • Market Index Links
      • Annuity Report
      • Annuity Reviews
    • Medicare >
      • Medicare Questionnaire
      • Medicare Clients
      • Medicare Plan Compare
      • Medical Networks
      • Medicaid Info
      • PEBB Benefits >
        • 2024 PEBB Retiree Guide
      • Medicare A&B
      • Medicare Rules
      • Medicare Meetings
      • Medicare Education
    • Long-Term Care
    • Life Insurance >
      • Multi-Generational
      • Premium Finance
      • Final Expense
    • Health Insurance
    • Dental Insurance
    • Vision Insurance
  • Tools
    • Financial News Blog
    • Market Simulations
    • Required Minimum Dist (RMD Calculator)
    • Interest Types
    • Calculators
    • Professional Referrals >
      • Dead Doctors Don't Lie
    • Bankrate Interest Rates
    • Rate of Return Calculations
    • Zillow Home Value
    • Credit Info
  • Contact
    • Free Consultation
    • Schedule Appointment
    • Online Meeting
    • Secure Upload
    • Retirement Analysis (initial)
    • Retirement Software Client Portal
    • New Application
    • Application Process
    • Beneficiary Form
    • Client Resources
    • Phone App
    • Rate our Service
    • Refer a Friend