INERTIA / Advisor Services Group
INERTIA / Advisor Services Group

Research & White Papers

As the advisory community continues to stress the importance of planning for Healthcare In Retirement and Long-Term Care, the "source material" for our recommendation is often requested.  We have compiled various research and white papers we often referrence to allow you to better understand the macro viewpoints we eventually condense for you and your clients. 

 

We have provided an abstract for each piece below, so please click on the links to view the entrety of the information you would like to review.....

Managing Long-Term Care Spending Risks In Retirement

 

Co-authored by Wade D. Pfau, Ph.D., CFA and Michael Finke, Ph.D., CFP® , this second-in-a-series whitepaper provides exceptional insight on LTC protection and consumer behavior. Illustrated by their research, Dr. Pfau and Dr. Finke outline the value of asset-based LTC protection vs. traditional LTCi and self-funding.

 

Often cited by The Wall Street Journal, The New York Times, and Forbes, both authors have received numerous awards for their research in retirement planning. This whitepaper is an excellent tool for financial professionals looking to help clients mitigate the retirement income risks posed by long-term care costs.

Long-Term Care Over an Uncertain Future: What Can Current Retirees Expect?

 

Over the past several years, the spike in the cost of health care and insurance premiums has been alarming. Many employed individuals have had at least a portion of these increases covered by their employers. However, once retired, a meaningful portion of the cost may have to be borne by retirees themselves. This paper is intended to provide a backdrop of the current health insurance landscape for retirees.

TAKING AN IN-DEPTH LOOK:

Long-Term Care Benefits vs. Chronic Illness Benefits

 

Understanding the differences between chronic illness rider designs along with the differences between long-term care products is crucial in providing an appropriate product for your clients.  There are many nuances to these different designs. It is essential  that you are aware of these distinct features and benets if you’re working on a long-term care plan with clients. 

Fidelity’s Family & Finance Study

 

Fidelity Investments’ biennial Family & Finance study (previously known as the Fidelity Investment's Intra-Family Generational Finance Study) is unique because it surveys parents and their adult children separately on a range of financial and retirement planning topics to identify their level of agreement.

Long-Term Care: What Are the Issues?

 

The demand for long-term care services will explode as the population ages and more people live longer with chronic conditions. Who will pay for these services and how will they be delivered? 

Understanding Health Insurance Options in Retirement

 

Over the past several years, the spike in the cost of health care and insurance premiums has been alarming. Many employed individuals have had at least a portion of these increases covered by their employers. However, once retired, a meaningful portion of the cost may have to be borne by retirees themselves. This paper is intended to provide a backdrop of the current health insurance landscape for retirees.

Top Ten Myths of Medicare

 

In the context of changing demographics, the increasing cost of health care services, and continuing federal budgetary pressures, Medicare has become one of the most controversial federal programs. To facilitate an informed debate about the future of this important public initiative, this article examines and debunks the following ten myths surrounding Medicare.

Insuring Long-Term Care in the United States

 

Long-term care expenditures constitute one of the largest uninsured financial risks facing the elderly in the United States and thus play a central role in determining the retirement security of elderly Americans.

 

Long-term care is a broad umbrella term for a wide range of supportive and health services for individuals whose physical and/or mental impairments do not allow them to independently perform basic functions of daily living. 

 

 

Sponsor Code = "LTC"

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