A Neglected Key to Protecting Wealth: Early Long-Term Care Planning
April 28, 2022
Learn about it in just 4 minutes, before you age another day. Lakewood, OH April 27, 2022 — Most successful people focus on building wealth, as they should. “Unfortunately,” says Denise Gott, “too many give short shrift to preserving the wealth they so painstakingly create. They neglect one of the biggest wealth preservation measures of all — managing the impact of long-term care (LTC).”
Is “Toxic Positivity” Holding You Back from Long-Term Care Planning?
March 24, 2022
Agent Denise Gott of ACSIA Partners LLC has an answer Lakewood, OH March 24, 2022 — Positive thinking is a good thing, but it can go too far when it prevents people from addressing real problems. Psychologists call this behavior “toxic positivity.”
To Find a Good Long-term Care Plan, First Find a Good Agent
February 28, 2022
Lakewood, OH February 28, 2022 — Are you looking into long-term care insurance? If so, you’ve probably searched the internet and made a few inquiries. "As a result, suddenly you’re popular," says Denise Gott, a Lakewood-based agent with ACSIA Partners LLC. "A few insurance representatives may be trying to reach you." That can be good, but take care, Gott advises.
Don't Let "COVID Caution" Postpone Your Long-Term Care Planning!
January 20, 2022
Lakewood, OH January 20, 2022 — "Wires and wireless signals don’t transmit COVID," says agent Denise Gott. "An in-person meeting isn’t essential, and virtual or phone meetings are a 100% safe way of learning everything you need to know about long-term care."
Brighten the Holidays with the Gift of Long-Term Care Insurance
November 29, 2021
Like more conventional presents, it can bring good cheer. Lakewood, OH November 29, 2021 — "If you’ve got a range of family members to please, think beyond toys, gadgets, or clothes," Denise Gott suggests. "For the seniors in your life, consider something more enduring — the gift of long-term care insurance."
As Fewer Carriers Offer Traditional LTCi - We Point to Expansion of New Financial Protections
December 28, 2021
"Now may be a good time to consider the new full range of options at your disposal," Gott suggests, "anticipating a more care-free new year."
Aging May Be Reversible - But We're Wise to Plan for Long-Term Care
October 28, 2021
Lakewood, OH October 28, 2021 — Over the past five years, there’s been a lot of press about turning back the biological clock. "This may have prompted some people to put off planning for long-term care," says Denise Gott, OH-based agent with ACSIA Partners LLC. "That’s a shame. A longer, healthier life can go hand-in-hand with prudent care precautions."
LTCI and Peace of Mind Is There A Real Verifiable Link Between Them
July 19, 2021
"We’re Getting There," Says Agent Denise Gott Lakewood, OH July 19, 2021 — Peace of mind is often given as a reason to buy long-term care insurance; and it makes sense, perhaps, from the standpoint of belief or personal conviction. But is there any hard, scientific evidence? Does the link really exist as a verifiable entity?
NYT and WSJ Offer Differing Views on Long-Term Care Insurance
August 24, 2021
Lakewood, OH August 24, 2021 — Americans face a deepening long-term care crisis. So say articles in two of our most prestigious newspapers: the New York Times and the Wall Street Journal. "I applaud them both for highlighting this important issue," says Denise Gott, OH-based agent with ACSIA Partners LLC, "yet the articles paint opposite views of the role of insurance as a solution."
There's a Vaccine for Needing LTC and More Seniors Should Take It
September 29, 2021
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."
In a Time of Health Improvement Some LTC Policies May Not Fit Your Needs
June 25, 2021
"Get Advice from a Knowledgeable Agent," says Denise Gott Lakewood, OH June 25, 2021 — Both Washington and the private-sector are targeting the diseases that plague seniors: cancer, Parkinson’s disease, diabetes, Alzheimer’s disease, and more. R&D success could yield healthier seniors who need long-term care later in life and for different durations. "Today’s insurance buyer needs to be prepared for this," says Denise Gott, a OH-based agent with ACSIA Partners LLC, one of the nation’s largest long-term care insurance agencies.
"Let's Empower Working Women by Lightening Their Child and Long-Term Care Burden", Says Business Coalition
May 27, 2021
Denise Gott, a Long-Term Care Insurance Agent, Agrees Lakewood, OH May 27, 2021 — Female employees, disproportionately tasked with care duties at home, have a tough time giving their all to their job or career. That’s the conclusion of the newly-formed Care Economy Business Council, consisting of 200 major employers, including JPMorgan Chase, Spotify, Uber, and McDonald’s.
With an Online Calculator, "You Can Estimate the Cost of Long-Term Care, Then Talk to Me About Paying for LTC
April 23, 2021
Consumers May First Learn How Much They’ll Need to Pay for Care When the Need Arises, Then How to Manage the Costs — Through Affordable Insurance or Other Means Lakewood, OH April 23, 2021 — ACSIA Partners now offers free help to consumers who want to learn the financial risk of long-term care, which a majority of us will need some day, whether due to accident or aging. The service blends the best of technology, an online calculator, with the best of the human touch, a real live advisor on the phone.
Three Ways to One-Stop Shop for Long-Term Care Insurance, from Denise Gott
March 25, 2021
Lakewood, OH March 25, 2021 — Like many others, if you’re in the market for long-term care insurance, LTCI, you may be frustrated. “Multiple companies offer multiple policy options and acceptance criteria," says Denise Gott, an agent with ACSIA Partners LLC, one of the nation’s largest long-term care insurance agencies. “Checking everything out on your own can be challenging,” Gott says.
Relax when considering long-term care options
February 25, 2021
Shopping for Long-Term Care Insurance May Be Stressful, So Relax and Consider the Alternatives, Advises Denise Gott Lakewood, OH February 25, 2021 — Unsure if you need long-term care insurance? Or if you can qualify? Or afford it? "Stop worrying," says Denise Gott, an agent with ACSIA Partners LLC, one of the nation’s largest long-term care insurance agencies. "LTC insurance isn’t your only way to pay for care."
Long-Term Care Insurance Agents Vary; Pick Yours Carefully
January 28, 2021
Lakewood, OH January 28, 2020 — According to many experts, the best way to buy long-term care insurance is through an independent, state-licensed agent. However, not all agents are the same. How do you select a professional who’s right for your purposes?
Five Reasons to Give the Holiday Gift of Long Term Care Insurance, This Year In Particular
December 17, 2020
Lakewood, OH December 17, 2020 — If your spouse or other loved one is 50-plus, Denise Gott has some holiday advice for you. “Consider giving them the gift of long-term care insurance.”
During the Pandemic, Family Get-togethers Are Still Ideal Times to Talk Turkey About Long Term Care
November 20, 2020
"Social distancing may be separating us by miles or masks," Gott acknowledges, "but most of us will still be connecting one way or another. There will be golden chances to talk." Lakewood, OH November 20, 2020 — Thanksgiving and the winter holidays are upon us yet again, but with a difference this year. "Thanks to social distancing, many of us may be foregoing in-person gatherings," says Denise Gott, "but we needn’t miss an annual opportunity to address important family issues."
In a Time of Politics and Pandemic Agent Denise Gott Highlights Long Term Care Awareness Month
October 30, 2020
Lakewood, OH October 29, 2020 — Back in 2001, November was designated Long-Term Care Awareness Month by the American Association for Long-Term Care Insurance (AALTCI). Now it’s an event recognized by Congress and a number of states. "A lot is going on right now," says Denise Gott, "from COVID-19 concerns to worry about the current election, so other urgent things can escape our attention — but it takes just a few minutes to remember the importance of long-term care planning."
Should You Commit to LTC Ins During a Pandemic? Maybe, Maybe Not
August 28, 2020
Lakewood, OH August 28, 2020 — During a time of health and economic uncertainty, there’s a tendency to put off purchases. This includes those that may turn out to be vital, like long-term care insurance (LTCi). Should you give in to your reluctance? Or boldly sign up for the monthly premiums?
Young LTCI clients: Should they buy now, or should they wait?
October 11, 2016
Here, she takes a question about clients who are wondering when they should buy LTCi.
Online Calculator Helps Trim Thousands from Long-Term Care Costs
June 25, 2020
Location, location, location! This mantra applies not only to the value of homes, but also to the cost of long-term care. "Just as homes vary widely in price from area to area, so does the cost of care," says Denise Gott, an agent with ACSIA Partners LLC. "You need to take that into account in your financial planning." Fortunately, there’s an online calculator that makes comparisons easy, Gott says:
Unclear About Long-Term Care Insurance? You Have Lots of Company
July 27, 2020
Lakewood, OH July 27, 2020 — These days, there’s an abundance of information about long-term care services and facilities; but knowledge of how to pay for it seems lacking. This knowledge gap was recently highlighted by The Motley Fool: Nearly Half of Older Americans Need to Get Schooled on Long-Term Care Insurance "I highly recommend this article," says Denise Gott, an agent with ACSIA Partners LLC.
Virtual Long-Term Care Education and Planning, Avoiding In Person Infection Risks
May 28, 2020
If you, your family, or group need an agent’s help in planning for long-term care, a meeting may be necessary. However, COVID-19 infection prevention could delay your planning if you don’t know where to look. In a time of social distancing, why risk sharing viruses with anyone? With Denise Gott, however, you can meet without risk! "I’m available virtually, through computer or mobile device, for individuals or groups of any size," says Gott, OH-based agent with ACSIA Partners LLC. The educational sessions are offered through online conferencing tools that let multiple people from multiple locations connect with each other at the same time.
What to Say Now About LTCI Rate Increases
January 31, 2018
Here, she handles a question about what to say to clients about past, present and future LTCI rate hikes.
Fear of Infection in Long-Term Care Facilities Highlights Value of In-Home Plans
April 16, 2020
Like many people, you may envision long-term care insurance paying for care in a nursing home or other care facility. However, “there are plans that may also cover care in your own home,” says Denise Gott, OH-based agent with ACSIA Partners LLC. That may give you greater control over with whom you come in contact, “but you need to choose your policy with care,” Gott adds.
How to Talk About Long-Term Care Planning Now
June 21, 2018
Here are some phrases you can use to persuade listeners to notice the train that’s coming at them.
Coronavirus Risk in Long-Term Care Facilities May Be Reduced Thanks to New Guidelines
March 19, 2020
The new respiratory disease – coronavirus disease 2019 (COVID-19) – has been spreading globally and there have been outbreaks in long-term care communities. "That’s bad news," says Denise Gott, OH-based agent with ACSIA Partners LLC. "But there’s good news," Gott adds. "Guidelines on how to mitigate the risks have just been published by the Centers for Disease Control (CDC)."
It’s Good to Search for Long-Term Care Insurance, Even Better to Search for a Good Agent
February 27, 2020
Many people in the market for long-term care (LTC) insurance go to their browsers and enter a search term such as "long-term care insurance" or "long term care quotes." That’s fine, "but don’t stop there," says Denise Gott, OH-based agent with ACSIA Partners LLC.
Uneasy About the Unseen Elephant in the Room? Relax and Take a Peek
January 28, 2020
"Long-term care (LTC) has become a presidential campaign issue," observes Denise Gott, OH-based agent with ACSIA Partners LLC.
Becoming Long-Term Care Aware: A New Year’s Resolution You Can Keep in Just Three Minutes
December 23, 2019
If you’re getting older (who isn’t?), you’re probably concerned about long-term care, which may be needed at some point for yourself or a loved one. You’ve been meaning to look into it, but, like millions of fellow procrastinators, you’ve been putting it off.
This Holiday Season, You Can Make Long-Term Care Into a Gift, Not an Obligation
November 26, 2019
The end of the year, from Thanksgiving through December, is a special time for families, says says Denise Gott, OH-based agent with ACSIA Partners LLC.
Five Things to be Aware of in November: Long-Term Care Awareness Month
October 23, 2019
If you or a loved one may someday need help with the activities of daily living, November may be the time to focus on it. "It’s been designated Long-Term Care Awareness Month by the American Association for Long-Term Care Insurance," says Denise Gott, OH-based agent with ACSIA Partners LLC. "But what, exactly, should you be aware of?"
Concise Digital Guide Makes Long-Term Care Decisions Easier
September 25, 2019
A comprehensive four-page guide makes clear that long-term care (LTC) planning has moved well beyond traditional insurance, Medicaid, and nursing-home care. The digital PDF publication, “Why You Should Consider Coverage,” describes the full spectrum of government and private financing options. It also covers care options ranging from at-home care to assisted living in senior residences.
Reduce the Odds of Needing Long-Term Care Through Lifestyle Choices
August 21, 2019
The National Institute on Aging (NIH) points out that the need for long-term care isn’t set in stone. While planning for care is recommended, there are steps we can take to stay able and independent.
New Long-Term Care Trend: Seniors Caring for Super-Senior Parents
July 08, 2019
In July of 2019, the New York Times published an article, At 75, Taking Care of Mom, 99. "Millions should read this," says Denise Gott, FL-based agent with ACSIA Partners LLC. "It documents a new reality of our time."
Fall Prevention: Putting Off the Need for Long-Term Care the Easy Way
June 17, 2019
“Falls can be bad news,” says Denise Gott, FL-based agent with ACSIA Partners LLC. “Too often, they result in a fracture that lands you in the hospital or triggers the need for long-term care, but they’re not inevitable.”
Learning About Long-Term Care the Easy Way, in a Group Setting
May 30, 2019
Most people over 40 need information on their long-term care options, but may not take time to learn on their own. Now they can conveniently absorb the information in the company of friends and associates.
The Looming Long-Term Care Gap: As Older Americans Proliferate, Family Caregivers Dwindle
April 25, 2019
Good news, more of us are living longer. Americans 65 and older will increase from 46 million in 2016 to over 98 million in 2060, according to “Aging in the United States,” a study published by the Population Reference Bureau (PRB). However, fewer younger people will be available to care for them.
Institutional Care or Home Care? With the Right Plan, the Choice Can Be Yours
March 26, 2019
Want to keep living in your own home as long as possible, in spite of needing long-term care? “Then look into an LTC plan that is good for both purposes,” says Denise Gott, FL-based agent with ACSIA Partners LLC.