Charton L. Davis and Crystel T. Coleman (Courtesy photo)

Most of us get help planning for our vacations, retirement, and even our golden years and how we want to live them out. We even plan for unpleasant events that we pray never will happen.

For example, if we are homeowners, we get fire insurance to cover us in the unthinkable event of our houses burning down. We would never think of getting a new car without having the necessary insurance that covers it bumper to bumper in the event of an accident. That is wisdom.

Yet, there is only a 1 in 240 chance that your car will be totaled in an accident and only a 1 in 1,200 chance that you will lose your home in a fire.

Here is something that you may not be aware of – as we and our parents age, there is a 1 in 2 chance that we will need some form of ongoing assistance in performing our regular activities of daily living in our lifetimes. This is the preventative nature of long-term care (LTC); wisdom and planning in advance are imperative.

H.E.L.P. Inc., the developers of the Home Equity LifeCare Plan, developed and designed a strategy that individual homeowners and their families can employ that makes purchasing long term care insurance more feasible and affordable. This cutting-edge funding strategy provides a method by which senior homeowners may secure a long-term care plan and pay for it by repositioning future equity from their homes.

One would first need to qualify health-wise for the LTC insurance portion of the plan. Once they are qualified, they can be guided through the process of repositioning a fraction of that equity that they can use right now without needing to pay monthly payments toward the amount received. Simply because that equity belongs to them.

This process is done by using a very well-established concept called a Home Equity Conversion Mortgage (HECM), otherwise known as a Reverse Mortgage. This strategy has been around for over 60 years and has helped tens of thousands of American senior homeowners and their families be able to afford things that they otherwise would not be able to afford just by tapping into, their greatest asset, their home.

H.E.L.P. Inc. is not an insurance company nor a loan institution. The H.E.L.P. strategy is not an insurance policy nor a loan contract. It is, however, one of the most innovative, funding strategies around today.

Most of us know of families who have a family member who lost the ability to care for themselves. Oftentimes, the onset of a debilitating condition comes on quickly and an unprepared family scurries to address the issue. The family must immediately call in a home care agency or look for an assisted living program.

Many have tried to navigate a labyrinth of ways to have someone come over and cover for hours, which can turn into days, days to weeks, weeks into months and far too often months into years. This can result in caregiving family members becoming exhausted with few options in sight.  Unfortunately, this is not the time to consider a long-term care policy, because then it is too late. H.E.L.P. Inc. has the answer for the reasons people have for not pursuing a long-term care policy, mainly because they are too expensive. We can show you another way.

The H.E.L.P. Solutions Specialists Team realizes that many families have saved tens of thousands or hundreds of thousands of dollars for decades that can all be lost in a matter of months. These same individuals, couples, and families expected to have a restful retirement or grow older gracefully in their golden years, only to have a tsunami of long-term care related bills wash away all their dreams.

Those dreams become nightmares for too many. This terrifying idea that keeps many seniors, and those with senior parents up at night is what gets the H.E.L.P. Team up in the morning. Charlton L Davis, CEO, and Crystel T. Coleman, COO, have both been caregivers. We understand and are here for you.  We will point you in the right direction. We will help you.


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(Sentinel News Service)