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When Should I Buy Extended Care Coverage?

As we navigate the complexities of planning for the future, one significant consideration often overlooked is the need for long-term care coverage. This type of care can provide crucial financial support for services such as nursing home care, assisted living, or in-home care, all of which is not typically covered by standard health insurance or Medicare. Understanding the optimal time

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Why Final Expense Insurance?

Final Expense insurance serves as an opportunity for greater financial security, offering a solution to the practicalities surrounding end-of-life arrangements. Despite its inevitability, these expenses are an often-overlooked aspect of financial planning. Here, we’ll delve into why Final Expense insurance makes sense as part of a comprehensive financial plan.

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CMS’ New Minimum Staffing Standards and Medicaid Institutional Payment Transparency Reporting Rule

The Minimum Staffing Standards for LTC Facilities and the Medicaid Institutional Payment Transparency Reporting rule aim to address longstanding concerns about staffing levels and financial transparency within the LTC industry. These regulations hold promise for enhancing care quality, but face significant criticism in the current state.

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Medicarians Reflection – Trends in the Long-Term Care and Life Insurance Markets

On April 10, HCG Secure’s founder and CEO, Tom Beauregard, had the opportunity to lead an agent roundtable at the Medicarians Conference in Las Vegas. Here, Tom shares some key insights from this conversation and points to trends and needs in the broker marketplace.

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Financial Security in Retirement with Carefull

HCG Secure and Carefull have partnered to help protect policyholders and their hard-earned savings from fraud, simple money mistakes, and unexpected long-term care costs. Here, we’ll explore key strategies and considerations to ensure a robust financial foundation during retirement.

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Unlocking Opportunities: Tax Season is Prime Time for Client Meetings

As spring approaches, so does one of the most pivotal periods for financial review: tax season. While many individuals associate this time with paperwork and stress, the best insurance agents recognize this period as an opportunity to connect with clients. Here we delve into why the coming months are a prime opportunity for you as an agent to engage with

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Happy February 29th – Leap into Retirement Savings

As February 29th approaches for the first time in 4 years, Leap Day serves as a reminder that time is a precious commodity. When it comes to retirement planning, starting early is key. The extra day in February pushes us to evaluate our financial goals and consider how we can make the most of our time before and throughout retirement.

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In Honor of National Caregivers Day

In a recent appearance on the Art of Aging Podcast Tom Beauregard, Founder and CEO of HCG Secure, discussed the need for additional family and planning supports in the long-term care and aging spaces, alongside affordable yet meaningful insurance benefits.

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Tax Deductions for Long-Term Care

Long-term care can be a significant financial burden for individuals and their families. The good news is the U.S. tax code provides some deductions that can help alleviate this financial strain

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Medicaid Waiting Lists and the Need for More Affordable Extended Care Insurance Options

Additional Medicaid expansion could help ease some of the stress around receiving care, but this can be a challenge given workforce shortages in the long-term care and caregiving spaces, as well as availability of additional funding. The private sector has an important role to play in easing some of the challenges to accessibility.

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