I don't live in The Villages - my Mom does, hence my membership on this site. That said, my wife and I (both 62) took out LTC from Mass Mutual through a broker here in NY this year. It ain't cheap, but NYS, oddly enough, gives you a 20% tax CREDIT on LTC premiums paid. Between the two of us, it comes out to about $7500 / year, but we each have a $220K pool of funds, and a third shared $220K pool that either of us can draw from if needed. It has built-in 3% inflation increases. And we get back $1500 at tax time from the credit. Wish other states would do the same, as we won't be staying in NY long after retirement age. Mass Mutual seemed to have the best bang for the buck with that 3rd pool of $$$ that others (like Mutual of Omaha) didn't offer.
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