{"id":501,"date":"2022-05-23T11:38:02","date_gmt":"2022-05-23T11:38:02","guid":{"rendered":"http:\/\/www.himmelsteinfinancial.com\/?page_id=501"},"modified":"2022-05-23T11:44:55","modified_gmt":"2022-05-23T11:44:55","slug":"linked-benefit-products","status":"publish","type":"page","link":"https:\/\/www.himmelsteinfinancial.com\/index.php\/linked-benefit-products\/","title":{"rendered":"Linked Benefit Products"},"content":{"rendered":"\n<h5 class=\"has-medium-font-size wp-block-heading\">LINKED BENEFIT PRODUCTS ARE A LIFE INSURANCE OR AN ANNUITY POLICY THAT INCLUDES A \u201cRIDER\u201d THAT PROVIDES LONG TERM CARE BENEFITS WHEN NEEDED.<\/h5>\n\n\n\n<ul class=\"wp-block-list\"><li>Provides multiple benefits, paying out the first benefit as needed<\/li><li>Qualified long term care costs are reimbursed<\/li><li>Reimbursements intended to be income tax-free<\/li><\/ul>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"270\" height=\"180\" src=\"http:\/\/www.himmelsteinfinancial.com\/wp-content\/uploads\/GLOBAL-ATLANTIC.png\" alt=\"\" class=\"wp-image-1543\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"270\" height=\"180\" src=\"http:\/\/www.himmelsteinfinancial.com\/wp-content\/uploads\/LINCOLN.png\" alt=\"\" class=\"wp-image-1548\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"270\" height=\"180\" src=\"http:\/\/www.himmelsteinfinancial.com\/wp-content\/uploads\/NATIONWIDE.png\" alt=\"\" class=\"wp-image-1552\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"270\" height=\"180\" src=\"http:\/\/www.himmelsteinfinancial.com\/wp-content\/uploads\/ONEAMERICA.png\" alt=\"\" class=\"wp-image-1554\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"270\" height=\"180\" src=\"http:\/\/www.himmelsteinfinancial.com\/wp-content\/uploads\/SECURIAN.jpeg\" alt=\"\" class=\"wp-image-1560\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator is-style-wide\"\/>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/d1y35g9nwb9u0p.cloudfront.net\/wp-content\/uploads\/2016\/06\/Retirement-Income.gif\" alt=\"\" class=\"wp-image-10343\" title=\"Retirement-Income\"\/><\/figure>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-medium-font-size\">Linked Benefit Products<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-medium-font-size\">The Facts About Extended Care<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\" id=\"block-79db31b8-f9f8-4a5e-bed3-dc039c25fc33\"><li>Make your client\u2019s money work harder; leveraging each dollar up to 3 to 5 times in the event of an extended care need<\/li><li>Provide a Death Benefit to beneficiaries if your client doesn\u2019t use all the money<\/li><li>Keep clients in control of their assets; A money back guarantee*<\/li><li>Offers a smart way to help protect existing assets from an extended care event<\/li><\/ul>\n\n\n\n<p><em>*Through the Return of Premium Rider on single premium and certain flexible premium universal life policies.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\" id=\"block-3416aaf3-c2bb-4ae8-9f3b-c7e590ad7173\"><li>70% of Americans age 65 or older will need it temporarily<\/li><li>The cost of care is high and increasing<\/li><li>The average duration of a claim is 4.2 years<\/li><li>75% of claims start at home<\/li><\/ul>\n\n\n\n<p><strong><em>*National median annual costs:<\/em><\/strong><br><em>Assisted Living Facility (ALF) = $42,000<\/em><br><em>Semi-private room in a nursing home = $77,380<\/em><br><em>Home health aid (8 hrs\/day, 5 days per week) = $41,600<\/em><br><em>Adult daycare (5 days per week) = $16,900<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-large-font-size\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-large-font-size\"><\/p>\n<\/div>\n<\/div>\n\n\n\n<h1 class=\"wp-block-heading\">IF YOUR CLIENT NEEDED EXTENDED CARE TODAY,&nbsp;<strong>WHICH ASSET WOULD THEY USE FIRST?<\/strong><\/h1>\n\n\n\n<h5 class=\"wp-block-heading\">YOUR FINANCIAL STRATEGY IS NOT COMPLETE WITHOUT EXTENDED CARE PLANNING.<\/h5>\n","protected":false},"excerpt":{"rendered":"<p>LINKED BENEFIT PRODUCTS ARE A LIFE INSURANCE OR AN ANNUITY POLICY THAT INCLUDES A \u201cRIDER\u201d THAT PROVIDES LONG TERM CARE BENEFITS WHEN<\/p>\n<p class=\"link-more\"><a class=\"myButt \" href=\"https:\/\/www.himmelsteinfinancial.com\/index.php\/linked-benefit-products\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-501","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/501","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/comments?post=501"}],"version-history":[{"count":5,"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/501\/revisions"}],"predecessor-version":[{"id":1634,"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/501\/revisions\/1634"}],"wp:attachment":[{"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/media?parent=501"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}