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  • Long Term Care Insurance in California

    November 25, 2020

    If we had a magic wand, we’d wave it over the beautiful state of California and endow each resident with good health and long term care insurance in California.  California residents would stop worrying and start sleeping better at…

  • Long Term Care insurance premiums can be tax deductible

    November 23, 2020

    IRS increases 2021 tax deduction limits for long-term care insurance. The 2021 deductible… 2021 tax deduction limits for long-term care insurance Attained age before close of tax year 2020 Age Deduction Limit 40 or less $450 More than 40…

  • November is Long Term Care Awareness Month

    November 1, 2020

    How will you pay for Long Term Care services? People work a lifetime to accumulate assets to see them through retirement. Unfortunately, relying on those assets to fund long-term care services may mean: • Selling stocks or property, cashing…

  • Life Insurance That Pays For Long Term Care? 2 Birds 1 Stone.

    October 20, 2020

    When people think of life insurance, in most cases, they think about end of life. However, did you know that some life insurance policies could also help while you are still alive? In a recent news article on the…

  • Long-Term Care Insurance Statistics That Affect Your Planning

    October 6, 2020

    In a recent Morningstar article on Long Term Care statistics, author Christie Benz, Morningstar’s director of personal finance and author of 30-Minute Money Solutions, outlined industry statistics you should know when planning your insurance needs in retirement. According to…

  • Dealing with Long Term Care Insurance Rate Increases

    September 14, 2020

    by Louis H. Brownstone  At first, many carriers saw long term care insurance as a terrific marketing opportunity and rushed into the market beginning in 1988 with competitive prices. For years, agents and brokers sold policies with the understanding…

  • Have You Accepted The Default Long-Term Care plan?

    August 25, 2020

    In a recent article on Marketwatch.com by Retirement Reporter Elizabeth O’Brien, she discussed what the costs for long-term care insurance look like, and how people plan for their health care needs in the future when they are no longer…

  • Louis H. Brownstone, Chairman

    December 11, 2019

    Louis H. Brownstone is Chairman of California Long-Term Care Insurance Services, Inc., the largest independent specialist long term care insurance agency in California, located in Burlingame. It is the broker for a group of high-producing long term care specialist…

  • Long Term Care Insurance Cost

    December 11, 2019

    You can likely guess that long term care insurance costs might be a valid concern while planning for the future.  After all, in California, the average cost of a shared room in a nursing home is about $300 and…

  • Long Term Care Insurance Benefits Mean Better Choices

    December 1, 2019

    Many people don’t start thinking about long term care insurance benefits until it’s too late. However, it is important to understand that illnesses and accidents often happen unexpectedly throughout life, and being prepared can help protect you from large…

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