Sandy Essex is a long-term care planning advisor representing the top long-term care providers. Her area of focus and expertise is long-term care insurance planning. In addition to representing traditional LTC coverage options, she also represents “hybrid” solutions that include a death benefit and various life insurance options.  By doing a review with Sandy, you can check that your current coverage is doing everything you want it to do.

Sandy advises individuals, families, and small businesses on the appropriateness of long-term care and life insurance. Her goal is to preserve her clients’ retirement portfolios, as well as to protect their families from the financial and emotional consequences of requiring long-term care. She has helped many small business owners and self-employed individuals take advantage of the favorable tax treatments available for long-term care benefits.

Following an extensive career in education,
Sandy began specializing in long-term care insurance protection in 2007. Sandy is a member of the Million Dollar Round Table and has been certified through CLTC, the Corporation for Long Term Care. She holds a bachelor’s degree in Business Education from the University of Missouri-Columbia.

Sandy helps you determine if you have a need for a Long Term Care Solution, and if so, what is the right company that fits in your budget to put some protection around your life savings. Offering advice and plans in all 50 states on best coverage. Contact Sandy at 847-695-6690 or sandy.essex@bestltcadvice.com.

Sandy Essex, CLTC, advises her clients on the many plans and offerings associated with Long Term Care that impacts themselves and their loved ones in all 50 states.

With the rising cost of long term care, it is important to understand your options. Traditional health insurance and Medicare were not designed to cover the long term care costs that many Americans will face. Medicaid may be available, but only after you have spent down your assets and the care and alternatives within Medicaid will become more restrictive as time passes.

Statistics and numbers aside, the need for long term care planning is not going away. The idea of ignore it, “think about it later” or “that will never happen to me” is really not the answer. Later is now, because you will never be younger or healthier and any future change in health could limit your options.

Best regards,
Sandy Essex, CLTC
Long Term Care Planning Advisor
847.695.6690

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