(V.R. Berghahn- Professor Emeritus, Columbia University, NY
thank you Cathy....feedback from longtime policyholders as yourself is both reassuring and reaffirming to me, and encouraging and supportive to those considering one of these plans.
Jill E. Porter
Thank you Jill----my best to you and your husband..contemplating and planning for these "what if's" ....is challenging at best. When the reality sets in we can only hope we prepared well. it takes courage at both ends. please keep me in the loop.
Thanks Suzanne....it HAS been a while....always a pleasure speaking with you....I'm glad the plan we designed 15 years ago has kept pace with rising costs, and addresses our initial concerns. Time always tells.
-thanks Tom...been a while. good hearing from you. any questions/any time...just reach out.
J-Thanks so much for the kind words! You planned wisely as your policy benefits are well within the range of these expenses, and grow each year to stay in parody with inflation. Both your independence and your assets are protected for yourself and your family. We can't ask for more than that. You did very well for yourself! Here's hoping you never need it!
Thanks Tim....I appreciate having had the the opportunity to work with you and your wife. This is certainly a multi-generational issue that your family recognized and was willing to confront. Once been acknowledged, we were able to find the best solutions....please remember to discuss with your accountant when you do yourtaxes for last year!
Thank you, Gene.
Thank you Barbara....thanks for giving me the opportunity to show you your options and accepting my recomendations.
Thanks for the feedback- the plan offered thru your affiliation provides comprehensive coverage, competitive premiums and a strong carrier...you couldn't do much better. Any questions...any time...don't hesitate.
Appreciate your inquiry...your existing plan is more than adequate...realistic benefits in parody with current cost of care...most importantly you have inflation growth built in to a fixed premium, so all stays in parody thru the years ahead...smart!
Thanks Karl....i appreciate the patience and confidence you and your wife have provided me along the way, from plan design thru carrier selection and now the underwriting process.
....and thank you for your patience Ali...we can discuss later in the week as you assimilate the comparisons and see what makes the most sense.
Thanks Steve......typically what we've experienced or been exposed to, is a concern shared by those we care most about...I'll do the best I can to assist.
Thank you, Gene, for your patience and time. My husband and I bought our LTC policies from you 8 years ago, and you've answered all questions kindly and professionally. I was confused about the premium increase, and you explained how we could easily keep the same premiums by decreasing the inflation option, which I hadn't understood. I never hesitate to recommend your services to anyone. It's always a pleasure doing business with you.
Thanks for your kind words Madeline......as time passes and these policies take on increased meaning and purpose, it's always wise to review and understand what is going on with long term care from both individual and the industry perspectives.....
I cannot say enough good things about Mr. Cutler, who helped me get LTC insurance some years ago. He made sure I got the plan that was right for me, plus over the years he has patiently and professionally answered all of my questions and assisted me with all of my issues. Most recently, this kind and decent man helped me clear up a tough issue with my mom's LTC insurance, despite the fact he wasn't even her agent, simply because that is the type of guy he is. Mr Cutler is a consummate professional who knows every aspect of his business, and I would not hesitate to recommend that anyone looking for insurance contact him immediately. Thank you, Gene!
Lisa- Thanks for the kind remarks ....I've learned thru the years that our relationship actually begins,after the plans are in effect....I'm glad to hear we worked out the details and your mom's situation was resolved.
Gene, Thank you for answering all of my questions. You have definitely "trimmed the fat" on what would have otherwise become quite overwhelming. Working with you has once again proven that the complex does not have to be complicated. Thank you again.
Good speaking with you as well....sometimes the answers are simple and allow us to recgnize the truly important questions at hand...putting the focus where it belongs. And usually in our hearts we will recognize what is best for each of us.....thanks for the opportunity, and an open mind.
Pompeo G. Gatto
Good talking with you as well...and I appreciate your making the first call, as most of my conversations seem to start out. Now that we understand your options here, you need to be sure that the timing is right for the considerations we discussed.
Thank YOU for your patience....everyone delves into this reluctantly, but aware of the realities we'd rather not contemplate but have experienced far too often with family and friends. Now you understand your options...as we say- the ball is in your court.
Talk soon- gene
thanks once again...always good to hear that at the other end of the process, once all this has been put to bed...so often we do these things reluctantly...after all who wants to contemplate getting older?...but once done like other important decisions, our heart tends to provide reassurance. Now is when our relationship starts...let's keep in touch!
A. & S.
Thank you both...with your estate planning to date, and the concern re protecting those assets, the Partnership plan certainly made the most sense.....Any questions...Any time....just give me a call. Or "click" on my moustache!
thanks for your time this morning Ike....many of my clients, like yourself, seem to favor plans that offer the freedom of selecting caregivers from their own family or circle of friends...and not having to submit invoices, rather than being forced to submit bills from specific home care agencies. The side by side comparisons we reviewed makes this very clear, and compares the premiums along with the benefit distinctions...talk soon.
LEB-that's very kind of you!!! Although I've been involved exclusively with LTCI for 19 years, it didn't take nearly that long to understand the challenges in evaluating these issues...your patience and understanding that eventually we all "become our parents," makes it possible!
And the side-by-side company comparisons enable us to do it all in one session.
thanks for your time...& your patience! Most would tend to agree that, while this is a challenging issue to deal with, it is prudent to consider the alternatives as we follow in our parents footsteps, learn from their experiences, and then plan accordingly. It all starts with these first steps!
good talking with you J....while I'm always concerned when a client has to claim, I'm glad to see that after so much time benefits have grown to stay on pace with inflation...your dad's have almost doubled & still growing..most importantly he doesn't have to become dependent on your or your brother, and since the cost of the care is no longer a concern, his savings are protected and he will get the quality of care he deserves. Even after all t
THANKS FOR YOUR TIME THIS EVENING...I'M SATISFIED WE VIEWED THE BEST CHOICES AMONG THE CARRIERS FOR YOUR PARTICULAR SITUATION...ANY ADD'AL QUESTIONS, JUST CLICK ON MY MOUSTACHE!
I'm glad you found the carrier side-be-side comparisons helpful....let me know if there are any add'al questions...regards- gene
MY PLEASURE....THANKS FOR TAKING THE TIME....ALL MY BEST!
THANKS FOR YOUR REPLY. -there IS a lot to it....first things first though....and that is...does long term care insurance make sense.....? The easy part is the solution.......regards Gene
WELL SAID JIM...HOPE WE QUENCHED YOUR THIRST!
It's never easy on one's own, to consider experiences we've observed or particpated in with others, and then try to anticpate our own needs...we all need some help here! Thanks for your candor, and an open mind.
DOT-thanks for your confidence here..with the state offering total asset protection here AND the 20% "subsidy" and the best premium as well, it is clearly the way to go.
thanks Ye--the software clearly puts the competing carriers side by side...benefit for benefit...premium to premium...no bias...& all are state partnership qualified as well.
Thanks Kristy...it's always unfortunate when we have to call upon these plans for benefits, but reassurung to know they do what they are supposed to...my best to your family.
THANKS DAWN....I APPRECIATE YOUR TIME AND YOUR CONFIDENCE!
THANKS PHIL....I'LL TALK WITH YOU SHORTLY
..THANKS JOHN......SOONER OR LATER WE ALL HAVE TO CONSIDER OUR OPTIONS.......TALK SOON-GENE
------------------------------------------ THANKS BOB...VERY KIND OF YOU!
THANKS ROBIN. REALLY GOOD TO HEAR FROM YOU.......MY BEST TO YOU AND YOUR FAMILY
---------------- -------------THANK YOU ALAN- FEEL FREE TO CALL ANY TIME WITH ADD'AL QUESTIONS/COMPARISONS/STATE & FED INCENTIVES
thanks for your patience Martha...putting major carriers side be side on the screen as we did, gives an opportunity to shop around for the best offers for your particular needs. talk soon!
--------Thanks for your patience Dan...it now reflects add'al discount upon your wife's approval. Remember to discuss with CPA at tax time.
-Renee------ thanks for yor patience...time and experience has shown these plans to be more beneifical to consumers than the carriers ever expected...standards for approvals are becoming more challenging... I'm glad we got it thru!
Thanks Jill...I appreciate the patience and confidence you bestowed upon me...any questions...any time...just call!
Roberta and Michael
good to hear...everyone always seems to start this reluctantly, but feel a load's been lofted once it's in place.
Thanks Jill...glad we had a chance to finally put this to bed for you....
Thanks Barbara.......great to hear this is sitting so well after all this time since we completed the process........My best! Gene
Gloria in NJ
Thanks for your kind words....it truly takes 2 ...you bring the open mind and questions.......permits me to educate you and hopefully answer...thank you for YOUR confidence!
Marilyn in Ct.
Vincent- Plans are comprehensive in that they cover the full cost of home care- part time temporary and full time ongoing care...as well as the costs of assisted living & nursing home care, up to whatever limtis are selected. There is never any cost or obligation in obtaining quotes...side by side comparisons and details of coverage are always provided. Hope this helps....
my pleasure...thanks for your confidence in this matter! gene
Margaret Popper & Hal Freedman
Thanks Joe...I'm glad that a challenging topic was clarified within our simple conversation with the comprisons at hand and side by side.
Of course...referrals and this web site are typically the means in which I am sought out....you can email me ofr give me a call....
I have known Mr. Gene Cutler for more than twelve years when he began to advise my wife Marion and me about the long-term care insurance that we wanted to take out with the approach of our retireme… Read More
(V.R. Berghahn- Professor Emeritus, Columbia University, NY
Leave a Testimonial