Long Term Care

You don’t want to think about our loved ones needing long-term care. It’s a reality, And if we don’t face it now it could cause financial devastation.

LTC May or may not be for you. Here are some things to consider.

Do you have unlimited assets?
Do you have trouble paying on your bills?
Do you want to protect your assets and income?

Is a partnership program available in your state? A partnership plan is intended to encourage the purchase of long-term care to cover a portion of long-term care while also alleviating the burden to the states to pay for your care via Medicaid.

There are three types of long-term care insurance.

Individual long-term care insurance
Hybrid long-term care insurance
Life insurance with a long-term care rider

One of the drawbacks of long-term care is that it can be expensive the older you get the longer you wait. And premiums can increase over time.

What would happen if you could no longer live independently at home?

We will assist you in reviewing your goals and determining your need for long term care.

Comprehensive Financial Services

Professional Benefits Group is an independent firm providing comprehensive and integrated planning, insurance and investment services, and support to families and businesses.

PBG is committed to providing quality financial guidance to help envision and assist you in working towards your personal financial goals. This is accomplished by providing honest, independent advice that you can expect from us over the years. We are committed to providing you with a clear, focused plan on ways that can maximize your financial potential, and we develop a personalized plan to help guide your personal financial goals.

PBG is a relationship and service-oriented business. With that in mind, you can expect ongoing feedback and service. As your goals change, we will change with you.

Our Services

We are committed to providing quality financial guidance to help you envision and build your financial goals. Explore our full range of services below.

Retirement Plans

Employer sponsored plans include traditional 401k, Roth 401k, Safe Harbor 401k, SEPs (Simplified Employee Pension), and Simple IRAs.

Group Insurance

Group benefits are often used to attract and retain employees. Professional benefits group provides group benefits for employers with 2+ employees.

Long-term care insurance is meant to reimburse the policyholder for expenses incurred during your care. The policy will include a waiting period, a benefit period as well as home health care and inflation protection. Many states have participating policies.

Life Insurance

Transform uncertainty into stability with a life insurance policy, designed to offer financial security and comfort for your family when they need it most.

Investment Planning

Investment planning is the process of identifying your financial goals and making a strategy to assist you in working towards them. Investment planning starts with assessing your financial goals and making a list of your goals and ends with investment and regular portfolio monitoring.

Personal Retirement

Retirement planning includes a wide range of ideas and must include social security as well as any pensions. Our goal is to help you maximize your retirement income while preserving your legacy.

Fixed Annuities

This type of annuity comes with guarantees. A guaranteed minimum interest rate and your principal is guaranteed. The rate can fluctuate but will never go below the stated minimum.

Indexed Annuities & RILAs

These annuities come with an opportunity for growth as well as downside protection they are typically tied to the S&P 500, the Dow or another market index. How these products are sold makes the difference on how they perform. They are very much worth the discussion but must be a part of your financial goal.

Variable Annuities

A variable annuity can increase and decrease in value depending on how the market’s perform. Most have various investment options from many fund families. As well as all annuities these grow tax deferred and are a nice addition to your investment or retirement plan.