Free News Articles, General Editorial, Insurance, Long Term Care

A Prime Time to Plan for Long-Term Care Is After Arranging It for Someone Else, says ACSIA Partners

KIRKLAND, Wash. -- Have you been called upon to arrange care for an aging parent or other loved one? If so, "it can be a blessing in disguise," says Denise Gott, CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies. "It can inspire you to plan ahead for your own care, without delay."

"In our experience," Gott says, "most Americans plan for their own care late in the game, when affordable insurance is no longer an option. But it doesn't have to be that way."

According to industry estimates, only about 10 percent of those who could benefit from LTC insurance have policies. Why? "The main reason is that busy younger people are preoccupied with family and career. Their future care needs just aren't a priority, so they put off thinking about it," Gott explains.

However, when they're called upon to plan care for someone else, they're forced to think about it. "The experience can be eye-opening and motivational. At a visceral level, they see and feel the need to plan for themselves. The trick is to act before the feeling fades."

Helping someone else secure long-term care generally happens in one's 40's, 50's or 60's, an opportune time for appreciating two vital facts:

(1) The majority of older people eventually need help with basic tasks of everyday existence. These include "activities of daily living" (ADLs) such as bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence, and eating.

And these tasks also include "instrumental activities of daily living" (IADLs) such as housework, managing money, taking medication, preparing and cleaning up after meals, shopping for groceries or clothes, using the telephone or other communication devices, caring for pets, and responding to emergency alerts such as fire alarms.

(2) Care options and costs vary widely. Long-term care may be supplied by family members and/or paid professionals. Family members generally charge nothing, but if helping out impacts their jobs, their lost income may run into the tens of thousands.

Care services supplied by professionals fall into four main categories (average national costs per year shown in parentheses):
* Adult day health care ($17,680),
* Home health care ($45,760),
* Assisted living facility care ($43,539), and
* Nursing home care ($82,125 for semi-private room).
(Data from the Genworth Cost of Care Survey.)

"When you help Mom or Dad get care, these facts become crystal clear," says Gott. "You see what a difference early action can make."

LTC insurance or another funding instrument can -
* Assure you're protected at a lower rate than older, less healthy applicants.
* Protect your retirement assets.
* Give you greater control over your lifestyle when receiving care (staying in your own home versus a facility, for example).
* Put less of a burden on family members.

"We have state-certified agents throughout the U.S.," says Gott. "They are glad to walk anyone through these options, in person or by phone."

ACSIA Partners LLC -- https://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance agencies serving all states.

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Free News Articles, General Editorial, Insurance

Longevity Alert: As America Ages, Long-Term Care Costs Could Overwhelm Most Families, say ACSIA Partners

KIRKLAND, Wash. -- The number of Americans age 65 and older is on track to double -- from 46 million now to over 98 million in 2060, when today's 20-somethings will be turning 65. At that time the 65-plus age group's share of the population will have jumped to 24-percent from 15-percent today. "Think of it," says Denise Gott, CEO of ACSIA Partners, "one in four of us will be in the older group, at high risk of needing long-term care."

The concerning statistics are from "Aging in the United States," a study published by the Population Reference Bureau (PRB).

The proliferation of older Americans places a big burden right now on all breadwinners in their prime productive years (20 through 65), Gott asserts. According to the PRB, by 2030 there will be only 2.8 working-age adults for every person 65 and older, down from 5.0 in 2000.

Because of this, today's working-age citizens, now building our economy and their own economic futures, will be hit by a double-whammy, according to Gott.

The first part of the double-whammy has to do with one's aging parents. According to the U.S. Department of Health and Human services, almost three in four aging Americans will need some form of long-term care after 65. "For a working couple with two sets of parents, the odds of financial impact are very high," says Gott, "if any of the parents lacks the resources for their own care."

The second part of the double-whammy is that the younger couple may need long-term care services themselves at some point. "After dealing with mom and dad, they'll need to be ready to care for one another; or to pay professionals to do it."

Long-term care services can be expensive, costing from tens of thousands to $100,000, $200,000 or even more per year, depending on location, type of services, and type of claim. Multiply that by the number of family members needing care, and the cost can become prohibitive.

But the financial impact extends beyond care costs. It often involves income loss from interrupted employment as well. According to a study by the MetLife Mature Market Institute, America's 10 million employed caregivers face $3 trillion in lifetime losses for missed pay, pensions, and social security. That amounts to $304,000 per worker (typically the female half of a young couple).

"Long-term care has always been expensive and a key cause of impoverishment in one's later years," says Gott. "As America ages, the cost challenge promises to increase."

What can be done about it?

"Forward-looking public policy would help," says Gott. "But there's plenty people can do on their own."

"The key is to develop a long-term care plan," Gott continues. "It's especially important for today's younger, productive couples. It's the only way to control costs and head off avoidable threats to one's income, assets, lifestyle, and future."

Long-term care planning can be done independently but Gott recommends consulting a licensed specialist. "The process is emotional and the options and pitfalls are vast. You need a calm, collected professional to hold your hand."

ACSIA Partners has hundreds of state-certified long-term care specialists in all parts of the country. "They're glad to talk with consumers and business executives about any and all care-related concerns and actions, financial and otherwise," says Gott. Specialists develop group plans for employers as well as individual plans for families.

ACSIA Partners LLC -- https://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

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Free News Articles, General Editorial, Insurance

It’s Easier to Plan for Long-Term Care if We Face Our Personal Concerns First, says ACSIA Partners

KIRKLAND, Wash. -- Last year the U.S. Department of Health & Human Services issued a report about Americans' concerns and actions related to long-term care (LTC), also referred to as long-term services and supports (LTSS). "The main takeaway was not the particulars of the responses, in our view," says Denise Gott, CEO of ACSIA Partners. "It was the fact that participants considered and faced the issues."

In the HHS survey, 15,298 non-institutionalized Americans aged 40-70, a statistically-significant sample of the age group, answered seven questions about long-term care personal concerns and ten questions about long-term care actions.

CONCERNS: What is your degree of concern about:
1. Losing independence
2. Being a burden on your family
3. Losing control and choice over LTC you might need
4. Being unable to afford high-quality care
5. Using up savings/income to pay for nursing home care/services
6. Becoming poor and having to rely on Medicaid
7. Being unable to depend on family/friends for care.

ACTIONS: What is your degree of willingness to:
1. Have family/friend move in
2. Move in with children/family/friend
3. Rely on spouse/family/friend
4. Attend adult day care
5. Hire aide or agency for care
6. Hire live-in caregiver
7. Move into assisted living facility
8. Move into nursing home
9. Make modifications to home
10. Use value in home to pay for care.

Key Findings:
* More than 75% of respondents said they had at least five of the seven personal concerns.
* High on the list were losing independence and being unable to depend on family or friends for care.
* Personal concerns varied little by wealth or age.
* Of the ten actions, most respondents expressed willingness to modify their homes or have a family member or friend move in.
* But fewer than 50% were willing to move in with family/friends or use the value in their home to pay for care.
* The wealthier respondents were more willing to take actions that cost money, such as secure long-term care insurance or tap savings to pay for in-home care.

The report concludes, "These findings highlight the need for increased education on the ... choices and financing options."

Gott agrees, and believes the survey itself opened the eyes of the 15,298 participants, "by provoking introspection and analysis."

"All Americans would benefit from considering such questions," Gott adds. "First the personal concerns, which are often hidden, then the action options."

ACSIA Partners has hundreds of long-term care specialists in all parts of the country. "Part of their job is to ask the right questions and invoke the right thinking," says Gott. "They're glad to talk with consumers and business executives about any and all care-related concerns and actions, financial and otherwise."

ACSIA Partners LLC -- https://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

The HHS report is available at https://aspe.hhs.gov/system/files/pdf/255356/LTSSconcern-IB.pdf. NOTE: The report uses the term "long-term services and supports" (LTSS) in place of "long-term care" (LTC).

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Business, Free News Articles, Insurance

Most Americans Aren’t Going for Long-Term Care Insurance, ‘But They Will, Where They Work,’ says James Dettman of ACSIA Partners

KIRKLAND, Wash. -- James Dettman, a veteran of the insurance and employee benefits industries, has joined ACSIA Partners, one of America's largest long-term care insurance agencies. He will serve as one of four Worksite Sales Directors.

So?

He's a man with a mission. Like David with a glint in his eye, he's aiming to help bring down an American Goliath, our looming long-term care crisis.

"Nearly three in four Americans over 65 will need long-term care at some point," he says, quoting the U.S. Department of Health and Human Services. "So virtually all families will be affected. Somebody will probably need care. If not Dad, Mom; if not you, your spouse."

"This is a very big deal," he asserts, because --
* Long-term care can eat into retirement savings, costing from tens of thousands to $100,000, $200,000 or even more per year, depending on location, type of services, and type of claim.
* Family members may be forced into caregiving, disrupting their lives and affecting their ability to earn a living and protect their livelihood.
* Companies suffer, too. They report reduced productivity when employees worry about loved ones needing care.

"Long-term care insurance is the answer," Dettman asserts, "but most consumers aren't buying it. No problem. We just need to start offering it more aggressively through another channel, the workplace."

He points to key advantages over policies sold directly to consumers:
* Group rates are generally lower,
* Health screening is relaxed, and
* Family members can be included.

ACSIA Partners is a pioneer in worksite LTC with a successful team in place, and that's why Dettman joined them, he says. "I'm here to help them take it to the next level."

The potential is very large. According to the American Association for Long-Term Care Insurance, only 10 million or so Americans have bought long-term care insurance; and only a fraction have gotten it at their place of work.

By contrast, over 270 million have health insurance, and a majority, 155 million, have it through their employer, according to the Urban Institute.

"We need to go with what's working," says Dettman. "If we follow the lead of health insurance, within a few years up to 155 million can have easy access to LTC protection through their jobs," he says. "We'll have multiplied the business 15 times over, and more important, released a flood of economic and personal vitality."

To get the ball rolling, Dettman and colleagues are seeking alliances with benefit brokers, insurance brokers, consultants, human resource managers, executives and association directors. "Our focus is to help deliver financial savings strategies for employees and employers alike," he says.

For over 20 years, James Dettman has held sales, sales management, and sales consultant positions in the insurance and employee benefits fields, winning many promotions and setting sales records.

He has been a member of the National Association of Health Underwriters (NAHU) since 1997, serving on the Board of Directors for his local association and twice as President for two different Chapters. He is also a Lifetime Qualifier for the Leading Producers Round Table (LPRT).

He will serve alongside fellow Worksite Sales Directors Dan Cahn, Ed Jette, and Mario Sestito, "a crack team leading the charge toward universal LTC protection," according to Dettman.

ACSIA Partners LLC is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

Dettman and colleagues may be reached at the following numbers:
* James Dettman: (901) 301-7421
* Dan Cahn: (425) 284-2148
* Ed Jette: (508) 981-6261
* Mario Sestito: (518) 817-3446

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*Photo Caption: James Dettman, Worksite Sales Director for ACSIA Partners, with graph showing big potential for LTC insurance.

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Free News Articles, Insurance

ACSIA Partners Offers Decision Funnel for Quick and Easy Long-Term Care Choices

KIRKLAND, Wash. -- Many Americans spend hours investigating long-term care options online, only to come away confused and dispirited. Now there's another way to go. It's a by-phone Decision Funnel designed to cut through the complexity. Offered by ACSIA Partners, the service will be delivered by real human specialists, not phone robots.

Available in all states, the specialists are licensed long-term care agents trained to cut through the confusion, make choices clear, and leave it at that. ACSIA Partners is one of the nation's largest long-term care insurance agencies.

Going quickly down the Decision Funnel, "Our specialists will be in educator mode, not sales mode," says Denise Gott, the company's CEO. "They will quickly determine whether LTC protection is called for, and if it is, what kind might make sense. Then the call will end, often in just minutes."

If information about specific financial instruments is desired, it may be supplied on a subsequent call, according to Gott.

Depending on individual needs and financial circumstances, the instruments may be:
* Traditional long-term care insurance
* A variety of products offering long-term care riders
* Savings, such as a tax-advantaged Health Savings Account.

The by-phone Decision Funnel sessions are available in all states for consumers, financial advisors on behalf of their clients, and companies exploring LTC protection for their employees.

Decision Funnel sessions may be requested at (866) 471-4072.

About ACSIA Partners:

ACSIA Partners LLC -- https://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

*IMAGE for media: Send2Press.com/mediaboom/17-0531s2p-acsia-funnel-300dpi.jpg
*Image Caption: Decision Funnel service from ACSIA Partners.

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Free News Articles, General Editorial, Insurance, Long Term Care

Be Alert for a Job Offer You Can’t Refuse: ‘Unpaid Caregiver,’ Warns Long-Term Care Leader ACSIA Partners

KIRKLAND, Wash. -- "America faces a senior health crisis that is also an employment crisis," says Denise Gott, CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies.

In most U.S. households an out-of-the-blue "job offer" will suddenly appear.
* Urgently needed: caregiver.
* Duties: look after an aging family member 24/7.
* Pay: zero.

"This can be disruptive," says Gott, "but with good planning, it needn't be."

The demand for senior caregiving is huge. About 70% of those over 65 will need help with the activities of daily living at some point, according to the U.S. Department of Health and Human Services. "These activities are basic tasks we normally take for granted," says Gott. "Things like eating, moving around, bathing, and toileting."

In families with two or more seniors, the odds approach 100% that at least one will need caregiving services sooner or later. That creates millions of caregiving "jobs." Most go to unpaid family members or friends, and their ranks are legion.

According to the Bureau of Labor Statistics, over 40 million unpaid caregivers currently look after adults ages 65 and older. That's more than a quarter of the entire U.S. workforce. And new caregivers enter the ranks every year.

When these services are extensive, the toll on the caregiver can be great. According to a 2015 report from the National Alliance for Caregiving and AARP, heavy-duty caregivers (who often perform medical or nursing tasks without preparation) reported negative effects. A majority, 63%, said the intense caregiving made their own health worse.

"And when full-time caregiving also leads to quitting your job or reducing your work hours," says Gott, "financial stresses make matters worse."

When volunteer caregiving is more limited, it can be a different story. "The extent of caregiving seems key," observes Gott. "It would appear that some caregiving is OK and even enriching." She points to a Pew Research study revealing that most caregivers found caring for an older loved one rewarding.

"The right balance is vital," says Gott. "Supplying some care personally, and hiring professionals to supply the rest."

Appropriate services for family members include companionship; emotional support; handling paperwork such as paying bills; and assisting with some, but not all, activities of daily living.

Appropriate services for professionals include monitoring the loved-one during working hours; helping with activities of daily living when family cannot be present; and any assistance requiring medical or nursing skill.

To be in a position to pay for professional caregiving, Gott's organization recommends five options:
* Long-term care insurance
* Critical illness insurance
* Life insurance (with LTC rider)
* An annuity (with LTC rider)
* Savings, such as a tax-advantaged Health Savings Account.

"Our advisors are glad to walk anyone through these options, in person or by phone," says Gott.

About ACSIA Partners:

ACSIA Partners LLC -- https://www.acsiapartners.com/ -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

This news story was published by the Neotrope® News Network - all rights reserved.

Free News Articles, General Editorial, Insurance, Taxes and Accounting

It’s Tax Time, and Millions Could Miss Sizeable Deductions for Long-Term Care Insurance, ACSIA Partners Says

KIRKLAND, Wash. -- If you're considering long-term care insurance, or already have a policy, "Tax time is a good time to look for help from Uncle Sam," says Denise Gott, CEO of ACSIA Partners, one of the nation's largest long-term care insurance agencies. "And the help you get could be more than negligible."

Possible deductions range from hundreds to thousands of dollars per year, Gott points out. "Millions may qualify, but will lose out if they fail to apply."

For the taxable year beginning in 2016, the limitations under Section 213(d)(10) of the IRS tax code, regarding eligible long-term care premiums includible in the term "medical care," are as follows:

Attained Age Before Close of 2016 Taxable Year / Limitation on Premiums:
* 40 or less: $390
* More than 40 but not more than 50: $730
* More than 50 but not more than 60 $1,460
* More than 60 but not more than 70: $3,900
* More than 70: $4,870

"If you're covered now," says Gott, "you should be sure to claim what's coming to you. And if you're considering a policy, why not get it while tax savings are on your mind?"

For 2017 the limitations are about 5% higher than in 2016:

Attained Age Before Close of 2017 Taxable Year / Limitation on Premiums:
* 40 or less: $410
* More than 40 but not more than 50: $770
* More than 50 but not more than 60 $1,530
* More than 60 but not more than 70: $4,090
* More than 70: $5,110

"The limits have been increasing every year," says Gott. "What's more, they apply to every covered individual in a household. For example, a qualifying husband and wife filing jointly could deduct up to $7,800 for 2016, and up to $10,220 for 2017; and so on for as long as the legislation remains in force."

The original idea was to encourage Americans to protect themselves, according to Gott, "and we believe the Trump administration will support this philosophy going forward."

ACSIA Partners has hundreds of long-term care specialists in all parts of the country. "During tax season," says Gott, "they're glad to talk with consumers and financial advisors about policy costs and tax adjustments. They do not give tax advice, but can help explain the tax incentives. For tax advice, people need to consult their tax professional."

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

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Free News Articles, Insurance, Long Term Care

Long-Term Care Leader ACSIA Partners Raises $15,220 to Help ‘Kill the Wicked Witch of Alzheimer’s’

SEATTLE, Wash. -- A colorful event brightened a long-term care convention on January 14 at the Sheraton Seattle Hotel. Over 100 participants wore purple capes as "wizards" to help "kill the wicked witch of Alzheimer's," the mind-robbing disease that afflicts millions. Their company, ACSIA Partners, is one of America's largest long-term care insurance agencies.

The gala gathering raised $15,220 for the Alzheimer's Association, which supports research and services to combat Alzheimer's disease and other dementias.

This is the second year that ACSIA Partners has supported the Alzheimer's Association. They raised a similar amount last year at their conference in Austin, Texas.

Why is the company so concerned with Alzheimer's?

"It's one of the biggest reasons people need long-term care," says Denise Gott, CEO. "According to the Society of Actuaries, about 25 percent of LTC insurance claims are due to the disease. And one in nine Americans age 65 and older are afflicted, according to the Alzheimer's Association. And the rate jumps to one in three for those 85 and older. That's huge."

This puts a big burden on American households. "Families must be prepared to care for those who, for mental reasons, can no longer care for themselves," Gott points out. "It's a serious national issue."

"We're proud to contribute to the Alzheimer's Association," says Gott. "We're also glad we can make a difference directly, through our company's services."

When the disease advances, a loved one may forget where they are or when to eat, or have trouble going to the bathroom, Gott points out. "Family members must care for them personally unless a long-term care financial solution is in place -- some way of paying for professional caregiving."

A sound plan can ease the burden, which can include lifestyle stresses and diminished earning capacity.

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

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*Image Caption: "Wizards of Alzheimer's" logo.

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Free News Articles, Insurance, Regional Events

Long-Term Care Leader ACSIA Partners Will Help ‘Kill the Wicked Witch of Alzheimer’s’

SEATTLE, Wash. -- For the second year in a row, ACSIA Partners, a national long-term care insurance agency based in Kirkland, Wash., will join the fight against Alzheimer's disease. As part of its three-day annual conference, the company will host a fundraiser on behalf of the Alzheimer's Association, which seeks a cure for the debilitating disease.

The gala event, on January 14, will be held at the Sheraton Seattle Hotel. The company has hundreds of agents nationwide, all invited to the conference. Those attending the gala will don purple capes as "Wizards of Alzheimer's" to highlight the need to "kill the wicked witch." Media representatives are welcome.

Last year, the company raised thousands of dollars for the Alzheimer's Association. "We aim to raise thousands again this year," says Denise Gott, CEO.

Why the company's interest in Alzheimer's?

"It's simple," says Gott. "The disease has become a leading reason care is needed."

* About one in four long-term care insurance claims are due to Alzheimer's, according to the Society of Actuaries.

* Alzheimer's or another form of dementia afflicts one in nine Americans age 65 and older, and one in three age 85 and older, according to the Alzheimer's Association.

"It's a real threat to most families," says Gott. "At some point Alzheimer's sufferers may need help eating, moving around, or going to the bathroom. Unless their loved ones are prepared to help them do such things, they need savings or insurance to hire professionals. Our mission is to educate Americans about their options."

"Eventually," Gott adds, "we'd like to knock the disease stone dead. In the meantime, we can help people live better lives in spite of it."

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance agencies serving all states. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, which encourages Americans to form a long-term care plan.

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*Image Caption: "Wizards of Alzheimer's" logo.

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Free News Articles, Insurance, Long Term Care

Long-Term Care Insurance Is a Gift for the Whole Family, ACSIA Partners Says

KIRKLAND, Wash. -- If you want to brighten the lives of everyone in your family, "Consider the gift of long-term care insurance," says Denise Gott, CEO of ACSIA Partners, a leader in long-term care planning.

"Whether you get the policy for yourself or for aging parents, it's really a gift for everyone," Gott asserts.

"Different family members benefit in different ways at different times," she says, "but everyone stands to benefit overall." For example:

* If you get a policy for yourself or spouse, you protect your assets and the future of your entire extended family. "With money available to pay for care," says Gott, "your savings and property won't be as vulnerable to unexpected care costs. And you may avoid relying on your children or other relatives to pay for your care." This knowledge alone can ease tensions and make the holiday season more pleasant, Gott points out.

* If you get a policy for aging parents, everyone benefits, not just them. "Your parents may live the rest of their lives with greater security and less fear," says Gott, "but you may also benefit. You guard against sudden, large care expenses down the pike, which could be disruptive. And you gain more control over your own future." For example, she explains, there's less likelihood you or your spouse will have to leave a job to provide care personally.

* Your children stand to benefit, too. With care expenses made more manageable through planning, educational plans can be made with greater certainty. "It's less likely you'll ever have to choose between tuition for your kids and care for your parents or spouse," says Gott.

* Added reward from Uncle Sam. A portion of long-term care premiums may be deducted on federal income tax returns. Tax deductions or credits are also available in many states. "It's like a gift, a nice incentive, and it keeps recurring," says Gott. "You can set yourself up for 2016 and every year after."

"Long-term care insurance is truly a gift that keeps on giving," says Gott. "You'll have less to worry about this holiday season, and every holiday season from here on. You can relax and enjoy the festivities and one another."

Shopping for long-term care insurance is made easy on the ACSIA Partners website: http://www.acsiapartners.com/.

Visitors may explore a range of affordable long-term care planning options including critical illness insurance, annuities, and life insurance with LTC riders as well as traditional LTC insurance. By-phone or face-to-face meetings with local agents are also available.

ACSIA Partners LLC -- http://www.acsiapartners.com -- is one of America's largest and most experienced long-term care insurance solution agencies. The company is also a co-founder and sponsor of the "3in4 Need More" campaign, run by the 3in4 Association, which encourages Americans to form a long-term care plan.

This news story was published by the Neotrope® News Network - all rights reserved.