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# Karp Loshak

LTC Insurance Solutions, Long Term Care Insurance, LTC Insurance

## Sitemaps

- [XML Sitemap](https://karploshak.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [AARP and Karp Loshak LTC - WHY LTC Insurance is important for Women](https://karploshak.com/aarp-and-karp-loshak-ltc-why-ltc-insurance-is-important-for-women/) - Are You Protected? Why Long-Term Care Insurance Is Key With the myriad solutions available in the marketplace, it's hard to know which one to pick. Work & Money | January 3, 2022 By Natalie Karp and Rona Loshak Leading parallel lives living as young married women with corporate careers and earning MBAs, we became new
- [State of the Industry – Asset  based long term care planning](https://karploshak.com/state-of-the-industry-asset-based-long-term-care-planning/) - Asset Based Long Term Care Insurance Planning The LTC Insurance industry continues to evolve. Carriers are more responsive to the way consumers want to purchase LTC Insurance. Stand-alone LTC carriers have consolidated further. Mass Mutual and TransAmerica are the most recent to bid adieu and retreat from the traditional stand-alone marketplace. While there are still
- [The Long Term Care Blind Spot](https://karploshak.com/the-long-term-care-blind-spot/) - Why Advisors Are Using Yesterday’s Playbook for Today’s Risk You have spent your careers doing this right — thoughtful, thorough, and precise. Asset allocation, retirement planning, mitigating risk, solving for the complexities that keep your clients up at night. Yet with long-term care planning, the conversation has been built on a framework that hasn’t kept
- [The One Financial Risk Most People Never Plan For](https://karploshak.com/the-one-financial-risk-most-people-never-plan-for/) - The One Financial Risk Most People Never Plan For By Natalie Karp, MBA, CLTC and Rona Loshak, MBA, CLTC As seen on SavvyLadies.org What’s the one financial risk most people never plan for? Not market volatility. Not inflation. It’s the very real, very likely possibility that someday — you or someone you love will need
- [Why Long-Term Care Insurance Matters in Financial Planning](https://karploshak.com/why-long-term-care-insurance-matters-in-financial-planning/) - Learn why long-term care insurance is key to protecting wealth, preserving independence, and strengthening your retirement plan.
- [Does Long-Term Care Insurance Pay for In-Home Care?](https://karploshak.com/does-long-term-care-insurance-pay-for-in-home-care/) - Long-term care (LTC) insurance can be a significant financial asset for older adults. It can protect individuals and their families from the often unmanageable costs of long-term care in senior living communities and nursing homes. For those who can continue living at home but need in-home nursing care or household assistance, LTC insurance—depending on the policy—may
- [Why long term care planning is an important family decision; a financial and non-financial perspective.](https://karploshak.com/why-long-term-care-planning-is-an-important-family-decision-a-financial-and-non-financial-perspective/) - With the new year upon us, now is the time to appreciate all the good stuff and think forward about the future. Avoid being nearsighted in planning for longevity. Spoiler Alert - It’s not about you. Rather than thinking about statistics or longevity, weren’t we all just 29 anyway? Instead, let’s reframe the conversation
- [Long Term Care Insurance - A Women’s Issue](https://karploshak.com/long-term-care-insurance-a-womens-issue/) - Long Term Care Planning is especially important for women. Women are often impacted as providers of care, and ultimately, as recipients of long-term care. No one wants to be a nurse or a purse. The Facts: Women live longer than men. As a result, women are likely to reach an age when they would need
- [Wall Street Journal: Long-Term-Care Insurance Isn’t Dead. It’s Now an Estate-Planning Tool](https://karploshak.com/wall_street_journal_long_term_care_isnt_dead/) - Karp Loshak LTC Insurance Solutions is proud to be a valued resource for the most comprehensive objective long-term-care planning solutions and to have been quoted in this article in the Wall Street Journal. To read the full story, click the link below: http://webreprints.djreprints.com/55358.html?utm_medium=email&utm_campaign=NF&utm_source=exacttarget&utm_content=IPS:na:na:na:na:EIP15518&utm_term=269727.30478209&WT.dcsvid=30478209&utm_source=Algren+Life+Line+8%2F14%2F2018&utm_campaign=Newsletter+8%2F14%2F2018&utm_medium=emailhttps://www.wsj.com/articles/long-term-care-insurance-isnt-dead-its-now-an-estate-planning-tool-1528387201?shareToken=stcfd48268138f4d7189f104e47053fd34&ref=article_email_share We very much appreciate the focus on hybrid solutions as compelling
- [A Pocket Guide To The Myriad of LTC Funding Options](https://karploshak.com/a-pocket-guide-to-the-myriad-of-ltc-funding-options/) - Research shows that most clients value three distinct priorities in creating a plan to address long-term care costs: Flexibility , protecting and growing their portfolio , and minimizing the impact of care on their family. Identify your priorities and primary concerns to help you implement the right strategy and solution to plan your long-term care
- [LTC Insurance Planning comes in all flavors with many toppings](https://karploshak.com/ltc-insurance-planning-comes-in-all-flavors-with-many-toppings/) - By Natalie Karp, MBA, CLTC, and Rona Loshak, MBA, CLTC, Karp Loshak Long Term Care Insurance Solutions Brokerage No one-size-fits-all. Today’s long-term care solutions give you flexibility and a choice in prioritizing what is most important. You can prioritize according to budget, leverage, flexibility, and tax efficiency. Given longevity, the need for planning isn’t going
- [Why Now?](https://karploshak.com/why-now/) - Why Now? In the absence of a crystal ball … It is important to look into your Long-Term Care Insurance options NOW. By Natalie Karp, MBA, CLTC and Rona Loshak, MBA, CLTC Planning from a position of strength is a game changer. Especially when it comes to planning for your long-term care. LTC Insurance is
- [Long Term Care Planning for Women](https://karploshak.com/long-term-care-planning-for-women/) - Long Term Care Planning for Women By Natalie Karp, MBA, CLTC and Rona Loshak, MBA, CLTC Long Term Care is the largest unfunded risk and threatens to disrupt assets, income stream, and independence. While women intuitively understand care giving and the demands of being a caregiver—financial, physical, and emotional—many have yet to plan. Women primarily
- [2015 - Press Release](https://karploshak.com/2015-press-release/) - Roslyn business women named 2015 Achievers by Long Island Center for Business & Professional Women Roslyn, N.Y., Thursday, June 25, 2015 – Karp Loshak Long Term Care Insurance Solutions Brokerage founding partners, Natalie Karp and Rona Loshak, have been recognized as 2015 Achievers by the Long Island Center for Business & Professional Women (LICBPW). The

## Pages

- [Home](https://karploshak.com/) - Karp Loshak Long Term Care Insurance Solutions is transforming the long term care planning experience for consumers and their trusted advisors.
- [Current Reality of LTC](https://karploshak.com/realities-of-ltc/) - The subject of Long Term Care and LTC Insurance is getting more attention with the critical need for planning due to longer life expectancy, changing family dynamics, and lack of government resources.
- [Podcast Interviews and Videos](https://karploshak.com/resources/podcast-interviews/) - Karp Loshak LTC Insurance Solutions Podcast Interviews and videos
- [Intake Form Landing](https://karploshak.com/northwell/) - Karp Loshak Long Term Care Insurance Solutions We help you plan for long-term care needs with customized solutions among the myriad of options in today’s marketplace. We take you from “conversation to contract” with expertise and independence to ensure successful outcomes. LTC Explained: Video SeriesExplore the Northwell Long-Term Care Insurance Video Library. These brief, topic-specific
- [Upcoming Events and Speaking Engagements](https://karploshak.com/resources/upcoming-event-calendar/) - Below please see Karp Loshak Long Term Care Insurance Solutions calendar of events and don’t forget to check back often.
- [In The News](https://karploshak.com/resources/in-the-news/) - News that relates to Karp Loshak.
- [Our Principals](https://karploshak.com/about-us/meet-our-principals/) - Natalie Karp, MBA, CLTC and Rona Loshak, MBA, CLTC are highly accredited, award-winning specialists in Long Term Care (LTC) Insurance and ranked by the American Association of Long Term Care Insurers
- [LTC Insurance Options](https://karploshak.com/ltc-insurance/) - Today, we can look forward to longer lives. We also want to extend our quality of life and maintain our independence and dignity.
- [HSA (Health Savings Account)](https://karploshak.com/hsa-health-savings-account/) - For traditional LTC premiums You can deduct the age banded allowance for yourself and a spouse if you are paying with an HSA using tax free health savings.
- [Self-Funding](https://karploshak.com/self-funding/) - Self-funding for long term care—planning to cover costs through savings or investments—is generally not wise for a number of reasons.
- [Test](https://karploshak.com/test/) - What is Long Term Care Insurance? It is a tax free income stream, separate from your retirement or investment assets, which pays for long term care services, thereby protecting lifestyle and legacy. As medical costs soar and government programs such as Medicare and Medicaid become marginalized, there are huge gaps in coverage for the costs
- [About Us](https://karploshak.com/about-us/) - Our firm is a trusted source of information on Long Term Car Insurance for consumers and advisers. We pride ourselves in helping clients compare and secure the most appropriate options for their long term care insurance needs.
- [Book an Appointment](https://karploshak.com/wpbc-appointment-booking/)
- [LTC Policy Holder Info](https://karploshak.com/resources/ltc-policy-holder-info/) - Forms & Carrier Information To authorize carriers to share your health history and related information with a designated third party, specific carrier forms are required. Below, you’ll find links and contacts for each carrier’s specific HIPAA-compliant authorization form. These forms are provided for reference purposes. We recommend contacting your carrier directly to confirm the most
- [Full Day Booking](https://karploshak.com/wp-booking-calendar-full-day/)
- [Time Slots Booking](https://karploshak.com/wp-booking-calendar-time-slots/)
- [Time Appointments Booking](https://karploshak.com/wp-booking-calendar-time-appointments/)
- [Contact Form](https://karploshak.com/wp-booking-calendar-contact/)
- [Booking Form Preview](https://karploshak.com/wpbc-bfb-preview/)
- [Tax Info](https://karploshak.com/taxinfo/) - Below please see Karp Loshak Long Term Care Insurance Solutions list of resources for your guidance and use.
- [How LTC Insurance fits into Financial Planning](https://karploshak.com/how-ltc-insurance-fits-into-financial-planning/) - Protect your wealth and independence with long-term care insurance. Learn how LTC coverage secures retirement plans, assets, and family legacy.
- [LTC Explained: Video Series](https://karploshak.com/ltc-explained-video-series/) - Welcome to the Long-Term Care Insurance Video Library These brief, topic-specific videos offer a clear overview of LTC Insurance—from why it matters to available plans, costs, tax incentives, and how to get started. For the best experience, we recommend watching in order, but feel free to explore at your own pace. [raw] LTC Explained: Introduction
- [Intake Form Expanded](https://karploshak.com/intake-form-expanded/) - Karp Loshak Long Term Care Insurance Solutions We help you plan for long-term care needs with customized solutions among the myriad of options in today’s marketplace. We take you from “conversation to contract” with expertise and independence to ensure successful outcomes. LTC Explained: Video SeriesExplore the Northwell Long-Term Care Insurance Video Library. These brief, topic-specific
- [Intake Form](https://karploshak.com/intake-form/) - Karp Loshak Long Term Care Insurance Solutions We help you plan for long-term care needs with customized solutions among the myriad of options in today’s marketplace. We take you from “conversation to contract” with expertise and independence to ensure successful outcomes. CompanyThis field is for validation purposes and should be left unchanged.Name & AddressName* Mr.Mrs.MissMs.Dr.Prof.Rev.
- [LTC Explained: Next Steps](https://karploshak.com/ltc-explained-video-series/12-next-steps/) - LTC Explained - Video 12 At-a-Glance Summary (“Thank-You & Final Thoughts” – Karp Loshak LTC Insurance Solutions) Why Planning Matters Long-term-care risks don’t end at retirement—they run through retirement. Building a plan now shields the wealth you’ve worked so hard to accumulate and spares loved ones from becoming a “nurse or purse.” Act on Age
- [LTC Explained: Government Tax Incentives](https://karploshak.com/ltc-explained-video-series/11-government-tax-incentives/) - LTC Explained - Video 11 At-a-Glance Summary (“Tax Breaks & Incentives for Paying Your LTC Premium” – Karp Loshak LTC Insurance Solutions) Government Help Is Real Federal and many state rules may let you write off a portion of your long-term-care premium. Every stand-alone policy qualifies, and hybrid or life-insurance plans may qualify if the
- [LTC Explained: Myriad of LTC Options](https://karploshak.com/ltc-explained-video-series/10-myriad-of-ltc-options/) - LTC Explained - Video 10 At-a-Glance Summary (“Today’s Menu of Long-Term Care Solutions” – Karp Loshak LTC Insurance Solutions) 1. Traditional Stand-Alone Policies Annual-pay premiums you keep until you claim. Fully customizable: pick your daily benefit, elimination (waiting) period, and inflation rider (simple or compound, 0–5% with multiple caps). Extras that matter: “shared-care” riders for
- [LTC Explained: Regulations and Safeguards](https://karploshak.com/ltc-explained-video-series/9-regulations-and-safeguards/) - LTC Explained - Video 9 At-a-Glance Summary (“Regulations & Safeguards Behind Your LTC Policy” – Karp Loshak LTC Insurance Solutions) Regulatory Backstop Long-term-care contracts are governed by federal standards first laid down in 1996 and strengthened ever since. Those rules define exactly what triggers benefits and how claims must be handled. State Guaranty Funds—Your FDIC
- [LTC Explained: Today's LTC Landscape](https://karploshak.com/ltc-explained-video-series/8-todays-ltc-landscape/) - LTC Explained - Video 8 At-a-Glance Summary (“Choosing the Right Long-Term Care Solution” – Karp Loshak LTC Insurance Solutions) A Bigger Toolkit Than Ever The market has expanded far beyond classic stand-alone policies. Hybrid (asset-based) plans, life insurance with LTC riders, annuities, short-term care, and voluntary employer programs now let consumers match coverage to age,
- [LTC Explained: Health Determines LTC](https://karploshak.com/ltc-explained-video-series/7-health-determines-ltc/) - LTC Explained - Video 7 At-a-Glance Summary (“Health Underwriting 101” – Karp Loshak LTC Insurance Solutions) Why Underwriting Is Crucial Long-term-care insurance is not a guaranteed-issue product; your age and current health determine whether you even have a seat at the table and what you will pay. Locking in coverage while you are younger and
- [LTC Explained: Who Should Be Having These Timely LTC Discussions?](https://karploshak.com/ltc-explained-video-series/6-who-should-be-having-these-timely-ltc-discussions/) - LTC Explained - Video 6 At-a-Glance Summary (“Who Should Be Talking About Long-Term Care?” – Karp Loshak LTC Insurance Solutions) Who’s on the Front Line Anyone living in states eyeing a mandatory payroll tax (New York among them) should review private coverage now—owning a policy may be the only way to opt out of that
- [LTC Explained: Pending State Mandated Legislation](https://karploshak.com/ltc-explained-video-series/5-pending-state-mandated-legislation/) - LTC Explained - Video 5 At-a-Glance Summary (“Pending Payroll Tax for Long-Term Care” – Karp Loshak LTC Insurance Solutions) Why States Are Eyeing a Tax Medicaid budgets are shrinking while demand for long-term care keeps rising. To ease the burden, states—including New York—are considering a mandatory payroll deduction to fund a minimal benefit for residents
- [LTC Explained: Cost of LTC](https://karploshak.com/ltc-explained-video-series/4-cost-of-ltc/) - LTC Explained - Video 4 At-a-Glance Summary The Cost Reality Even “modest” home care in the NYC metro area—about eight hours a day—already runs close to $120k per year. With health-care inflation running 3–8% annually, that same level of help is projected to cost roughly $720k in 15 years and $1.4 million in 30 years.
- [LTC Explained: What is LTC](https://karploshak.com/ltc-explained-video-series/3-what-is-ltc/) - LTC Explained - Video 3 At-a-Glance Summary (“Long-Term Care Basics” Video – Karp Loshak Long Term Care Insurance Solutions) What Counts as Long-Term Care It’s ongoing help with everyday tasks—bathing, dressing, transferring, toileting, continence, and eating—or constant supervision for a cognitive condition such as Alzheimer’s. When Benefits Begin Once a doctor certifies that you will
- [LTC Explained: Importance of LTC](https://karploshak.com/ltc-explained-video-series/2-importance-of-ltc/) - LTC Explained - Video 2 At-a-Glance Summary (“Why Plan for Long-Term Care?” Video – Karp Loshak Long Term Care Insurance Solutions) Why Long-Term Care Planning Matters Medical advances mean more of us will live well into our 90s, but longer life increases the odds of needing assistance with everyday tasks. Once you reach 80, statistics
- [LTC Explained: Introduction](https://karploshak.com/ltc-explained-video-series/1-introduction/) - LTC Explained - Video 1 At-a-Glance Summary (“Who We Are” – Karp Loshak Long-Term Care Insurance Solutions) Who We Are For more than seventeen years, co-founders Rona Loshak and Natalie Karp have focused exclusively on long-term-care planning. As fully independent brokers licensed in all 50 states, they can match clients with every major LTC carrier
- [In the News - Archive](https://karploshak.com/resources/in-the-news-archive/) - News relating to Karp Loshak
- [FAQ's](https://karploshak.com/resources/faqs/) - The subject of Long Term Care and LTC Insurance is getting more attention with the critical need for planning due to longer life expectancies, changing family dynamics, and lack of government resources.
- [Resources](https://karploshak.com/resources/)
- [Contact Us](https://karploshak.com/about-us/contact-us/) - Contact us to learn about the Long Term Care Insurance options appropriate for you, a loved one, a client, or a colleague.
- [Testimonials](https://karploshak.com/about-us/testimonials/) - Testimonials from Karp Loshak
- [Booking Form](https://karploshak.com/wpbc-booking/)
- [Booking Received](https://karploshak.com/wpbc-booking-received/) - Thank you for your booking. Your booking has been successfully received.
- [LTC Planning for Employers](https://karploshak.com/ltc-insurance/ltc-planning-for-employers/) - With heightened awareness about longevity, cost of care, business/employer tax benefits and proposed employee payroll tax legislation, employers have many options to secure long term care planning for themselves and/or their employees. Worksite Solutions include*: Voluntary or Employer paid Group Benefits – Guaranteed Issue and Non-Guaranteed Issue Options Group Custom LTC Insurance Solutions for Individualized
- [Educate Your Group About <br>Long Term Care Planning](https://karploshak.com/education/educate-your-group-about-long-term-care-insurance/) - Natalie Karp, MBA, CLTC and Rona Loshak, MBA, CLTC have spoken to community and professional groups throughout the tri-state area on the wide array of issues relating to planning for long term care and Long Term Care Insurance.
- [Schedule a time to speak with us](https://karploshak.com/book-an-appintment/) - We will call you at the specified time.
- [Professional Partners Form](https://karploshak.com/professional-partner-entrance-page/professional-partners-form/) - Getting started with Karp Loshak LTC Insurance Solutions In order to make this a true professional partnership, we want to make sure that we are a good fit. We want true relationship partners (not shoppers) and you want confidence in your client experience and the promise of a singular focus on long term care insurance
- [Professional Advisor Partnership Program Agreement](https://karploshak.com/professional-partner-entrance-page/professional-advisor-partnership-program-agreement/) - Professional Advisor Partnership Program For Joint Work Between Karp Loshak LTC Insurance Solutions & Partnering Advisors We recognize that attorneys, financial advisors, wealth managers and other professionals may need expertise in navigating today’s complex Long-Term Care Insurance marketplace. This now includes stand-alone policies, life and annuities with LTC riders and a class of asset-based solutions
- [Professional Partner Entrance Page](https://karploshak.com/professional-partner-entrance-page/) - This section is for Professional Partners only To find out about becoming a Karp Loshak Professional Partner please click on the link below. You will be sent a password to this protected area of the site. We look forward to hearing from you. Interested in becoming a Professional Partner? Click Here Professional Partner
- [For Those Who Are Uninsurable; Alternatives](https://karploshak.com/ltc-insurance/for-those-who-are-uninsurable-alternatives/) - For people who cannot qualify for Traditional Long Term Care Insurance or LTC/Life Hybrids, we have options
- [SPIA (Single Premium Immediate Annuity)](https://karploshak.com/spia-single-premium-immediate-annuity/) - SPIA (Single Premium Immediate Annuity) You can transfer money with a 1035 exchange tax free or simply write a check to fund a traditional LTC policy for the life of the policyholder. IF a policyholder lives past their life expectancy, there is a tremendous savings. If they do not, then there is a full cash
- [Awards & Accolades](https://karploshak.com/about-us/awards/) - Karp Loshak LTC Insurance Solutions takes pride in its commitment to providing the highest level of services and has earned numerous accolades and accreditations.
- [Thank you](https://karploshak.com/thank-you/) - Thank you for contacting Karp Loshak Long Term Care Insurance Solutions Brokerage, Inc. We look forward to helping you with your Long Term Care Insurance Planning. We will be reaching out with a phone call and email of introduction shortly.
- [Who Needs to Purchase](https://karploshak.com/ltc-insurance/who-needs-to-purchase/) - Purchasing Long Term Care Insurance is a wise option to protect against the financial, emotional, and physical consequences of likely long term care needs.
- [Traditional Stand-Alone <br>Long Term Care Insurance Plans](https://karploshak.com/ltc-insurance/traditional-stan-alone-long-term-care-plans/) - Generally, traditional, stand-alone long term care policies give you the biggest LTC benefit for your premium dollars and include the following features.
- [State Partnership Plans](https://karploshak.com/ltc-insurance/state-partnership-plans/) - State-provided plans are very similar to traditional Long Term Care Insurance plans. The following are some things to note about partnership plans, which vary from state to state.
- [Life Insurance With a Chronic Illness or Accelerated Death Benefit Rider](https://karploshak.com/ltc-insurance/life-insurance-with-long-term-care-insurance-rider/) - An accelerated death benefit that may be limited and not sufficient to cover long term care costs in the future.
- [Hybrid, Linked, or Asset Based Life / LTC Insurance](https://karploshak.com/ltc-insurance/life-and-long-term-care-insurance/) - These plans provide two forms of protection in one policy. Depending on the carrier, both recurring-premium and single-premium plans are available.
- [Continuing Education](https://karploshak.com/education/) - Karp Loshak LTC Insurance Solutions is an approved sponsor of Professional Continuing Education.
- [Advisors and Professionals](https://karploshak.com/partnerships/) - Your clients look to you for counsel on how to protect their income and assets for retirement. Long Term Care Insurance can help you make a difference for your clients’ independence and financial well-being.

## Events

- [Champions for Charity Shopping Benefit | Dec 3, 2022](https://karploshak.com/events/champions-for-charity-shopping-benefit-dec-1-2022/) - Dear Friends, Dec 1-3 is Champions for Charity shopping benefit where 25% of your full priced pre-tax purchases are eligible to be donated to charity at the Americana and Wheatley Plaza shopping center. Karp Loshak LTC Insurance is proud to take an active role in promoting women’s financial literacy through our support of Savvy Ladies (savvyladies.org)
- [WEBINAR: Women and Long Term Care Planning... Why it Matters Now to Protect You Later](https://karploshak.com/events/webinar-women-and-long-term-care-planning-why-it-matters-now-to-protect-you-later/) - Women and Long Term Care Planning... Why it Matters Now to Protect You Later Presented by Rona Loshak, MBA, CLTC and Natalie Karp, MBA, CLTC of Karp Loshak LTC Insurance Solutions Join us for a webinar on LTC Insurance for women, as we cover upcoming state mandates, women’s longevity and its financial and non-financial consequences.
- [SEMINAR: Planning Ahead with Long Term Insurance Affords Choice and Lifestyle](https://karploshak.com/events/seminar-planning-ahead-with-long-term-insurance-affords-choice-and-lifestyle/) - Encore Luxury Living presents a seminar: Planning Ahead with Long Term Insurance Affords Choice and Lifestyle Presented by Rona Loshak, MBA, CLTC and Natalie Karp, MBA, CLTC of Karp Loshak LTC Insurance Solutions Rona Loshak, MBA, CLTC ad Natalie Karp, MBA, CLTC are highly accredited, award-winning specialists in LTC Insurance. The duo is well regarded

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