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Medicare Planning

During our working years, we usually get health insurance through our employer, and the decisions are relatively straightforward.  However, once we approach age 65, we are bombarded with brochures and solicitations that introduce us to the wild and wooly world of:
  • Medicare supplements
  • Medicare Part D
  • Medicare Advantage
What makes sense for you, now?  What are the tradeoffs of each plan, and what do you really need to know to make a wise decision.
Like many other health care decisions, the stakes can be high.  The wrong decision can be not only frustration but costly.
For years, David and Mark Landwehr have conducted information programs to help Medicare beneficiaries make informed decisions.  Some of the leading employers and institutions in Kansas have invited us to speak to their employees, retirees, and customers about the topic of Medicare planning.
At LT Care Solutions, we have developed proprietary tools – including a prescription drug worksheet – that allow us to show you the impacts of one decision vs. another.  Based on the medications you take.  Based on your personal situation.
We look forward to helping you with Medicare planning.  Call or email us so that you can get some straight answers now!

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Long Term Care Planning

The topic of long term care planning is both difficult and important. And it can be confusing.

Are you wondering:

  • does the insurance make sense? Is it affordable?
  • what about life insurance with long term care attached to it?
  • do you understand how VA assistance works, and how that could make a difference?
  • how about Partnership plans.

We understand long term care. In fact, our company founder David Landwehr has been a long term care insurance s specialist since 1992.

David’s mother-in-law (Mark’s grandmother) who had no LTC insurance, moved in with David and his wife, Brenda, for 4 ½ years and 29 surgical operations before she died. David saw first hand the stress and strain failure to plan for LTC created.

David’s mom spent 3 ½ years in an assisted living apartment and one year in a nursing home. Long term care insurance helped pay for both. So, when long term care insurance is available (based on both finances and health), David recommends this coverage. As he has said, “Long term care insurance preserved my family’s harmony and my mom received excellent care.”

David has testified in Topeka before the Kansas Futures Committee as a long term care insurance expert, assisted the Department of Insurance in developing a LTC insurance partnership plan to assist all Kansans, and has had six articles published on the subject of LTC planning. He has worked as a consultant with the Kansas Dept. of Aging on long-term care insurance.

David has helped thousands of people put together their long term care protection plans. He was featured in Via Christi’s Family Health Channel for his long term care expertise. David has developed expertise in VA Pension Planning and Medicare Alternatives as natural overlapping areas of LTC planning. David’s extensive experience, knowledge and sincere interest in his clients make him a great resource on these subjects.

You could say that long term care planning is much more than a product to LT Care Solutions. Our founder David Landwehr’s passionate advocacy to encourage families to do this important planning motivates us every day.

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Social Security Maximization

For most of, the decisions about when and how to take Social Security retirement benefits are among the most important decisions we will ever make in our lifetime! So much is at stake. And it seems everybody has their own opinion. Of course, whether their opinion is backed by fact or not is another discussion!

Did you know that there are literally whole books just dedicated to understanding your Social Security retirement benefit decision?

So, here’s the rub. You are faced with a one-time, monumental decision that you will make only once in your life. Do you feel qualified and confident? Most (smart) people don’t.

It’s said that the smartest people don’t just know what they know, but they know what they don’t know! Let us advise you as you approach this decision. You’ll feel better, and we are glad to help.