There’s a “Vaccine” for Needing Long-Term Care, and More Seniors Should Take It, According to Denise Gott

Lakewood, OH September 29, 2021 — COVID shots are to catching COVID as long-term care insurance is to "coming down" with the need for long-term care services. "Most seniors have been vaccinated for COVID," says Denise Gott, OH-based agent with ACSIA Partners LLC. "Not so with LTC protection, and that’s a shame."

Gott points to interesting statistics. According to the CDC’s COVID Data Tracker, over 93% of Americans age 65 years or older have gotten at least one dose of vaccine. That’s about 50 million people. Compare that to the 7.5 million people (mostly older) who currently have some form of long-term care insurance, according to the American Association for Long-Term Care Insurance (AALTCI).

Clearly, more of us could benefit from the "shot in the arm" of insurance, Gott asserts.

“The long-term care issue doesn’t grab the headlines like COVID,” says Gott, “but about 70% of Americans now living will need some form of long-term care when they’re older (65 plus), according to the U.S. Department of Health & Human Services.”

November has been designated Long-Term Care Awareness Month; and now may be a good time to look at your risk and start forming a long-term care plan. An easy way to do that is to check it out on Gott’s website: http://DeniseGott.acsiapartners.com.

“In just five minutes you can find out things like the cost of care in your state and how to afford it without depleting your assets. You can also request more information by e-mail or on the phone.”

In addition to traditional long-term care insurance through multiple carriers, Gott’s agency offers these alternative solutions:

• "Hybrid" policies (typically life insurance with long-term care riders)
• Worksite long-term care (portable individual voluntary plans with group advantages)
• Annuities with tax-advantaged long-term care features
• Critical illness insurance
• Additional protections, including long-term care education and referrals to top care services

As a licensed long-term care insurance agent, Gott advises on the full range of alternatives listed above.

"When people come to us," Gott says, "whoever they are or whatever their situation, we like them to know that help is at hand, whether it’s an LTC policy or something else.”

Gott may be reached at http://ltcdenise.com or 440-223-5705. Short phone inquiries are welcome. A free long-term care guide may also be downloaded.

Gott is a licensed long-term care insurance agent who represents the company in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY.

In California the company is known as xACSIA Partners Insurance Agency; in other states, as ACSIA Partners.