Question 1

What kinds of clients do you work with?

Accepted Answer

We work with individuals, families, retirees, and business owners who want guidance on long term care, retirement income, Medicare, life insurance, and Social Security decisions.

Question 2

Do you provide Social Security claiming guidance?

Accepted Answer

Yes. Kenneth Jilek is a Registered Social Security Analyst, and we help clients understand how Social Security decisions may fit into a broader retirement plan.

Question 3

Can you help with Medicare choices?

Accepted Answer

Yes. We assist clients in comparing Medicare Supplement, Medicare Advantage, and prescription drug plan options based on their personal situation.

Question 4

Do you help with retirement income planning?

Accepted Answer

Yes. We help clients evaluate fixed and fixed indexed annuities, including strategies with lifetime income riders, to create more predictable retirement income.

Question 5

What makes your approach different?

Accepted Answer

We take an educational and consultative approach. Our goal is to help you understand the tradeoffs and potential benefits before you make an important decision.

Question 6

How do consultations take place?

Accepted Answer

Consultations can be completed by phone or video conference, which makes it easy to review your options from home.

Question 7

Do you only work with clients in Dallas?

Accepted Answer

No. We are based in Dallas but serve clients throughout Texas and in other states where we are licensed.

Question 8

Can you help if I was declined for traditional long term care insurance?

Accepted Answer

Yes. A major focus of our practice is helping people explore alternative long term care strategies when traditional coverage is not available or may not be the best fit.

Question 9

What five health questions affect the long-term care rider rate class?

Accepted Answer

The initial pre-screening focuses on five areas: 1) current or advised residence in a nursing home or assisted living setting, or receiving home health or adult day care; 2) needing help or supervision with activities of daily living; 3) use of certain medical equipment; 4) certain severe medical diagnoses within the past five years; and 5) receiving Social Security Disability Insurance within the past five years. An independent senior living residence without activities-of-daily-living assistance is generally not treated as a “yes” to the first question.

Question 10

What activities of daily living are considered in the health questions?

Accepted Answer

The pre-screening asks whether you need help or supervision with bathing, dressing, eating, walking, transferring, toileting, or continence. These are commonly called activities of daily living, or ADLs. Answering “yes” does not prevent approval, but it can affect the rate class and the long-term care benefit available per dollar invested.

Question 11

Does living in a care facility or receiving home care affect the rate class?

Accepted Answer

One health question asks whether you currently live in, or have been advised to enter, a nursing home or assisted living facility, or whether you receive home health care or adult day care. Independent senior living without assistance for activities of daily living is generally a “no.” A “yes” does not create a denial, but it can place an applicant in the Secure rate class.

Question 12

How can a guaranteed-issue long-term care rider help with planning?

Accepted Answer

A guaranteed-issue long-term care rider may offer an alternative path for people exploring long-term care planning, including those concerned that traditional long-term care insurance underwriting could be difficult. Approval is guaranteed, although health answers can affect the rate class and the long-term care benefit available per dollar invested. A conversation with Jilek Risk Group can help you understand the tradeoffs, costs, and whether this type of strategy fits your goals.

Question 13

Does using medical equipment affect the long-term care rider rate class?

Accepted Answer

One question asks about use of a wheelchair, scooter, stair lift, Hoyer lift, or respirator. A “yes” answer does not result in a denial because approval is guaranteed. It can, however, place an applicant in the Secure rate class, which provides a lower long-term care benefit per dollar invested than higher rate classes.

Question 14

Which recent medical diagnoses are considered in the five health questions?

Accepted Answer

The health questions ask about a history during the past five years of certain serious medical conditions, such as a heart attack, certain cancers, COPD, or chronic kidney failure. The full details and definitions matter, so reviewing your individual health history with a licensed professional is important. This question helps determine rate class rather than whether approval is available.

Question 15

Does receiving Social Security Disability Insurance affect the rate class?

Accepted Answer

One of the five initial health questions asks whether you have received Social Security Disability Insurance, or SSDI, within the past five years. The answer is used to determine rate class. It does not cause a denial, because approval is guaranteed, but it may affect the long-term care benefit available per dollar invested.

Question 16

What happens after the initial health questions?

Accepted Answer

Applicants seeking a higher rate class after answering “no” to the first three questions may continue with a live video assessment of about 30 minutes. Your advisor can also explain how rate class, coverage ratios, long-term care benefits, and a possible 1035 exchange may apply to your situation. Product features, availability, and eligibility can vary, so review the current materials before making a decision.

Long Term Care in Houston, TX

Planning for Houston households

Available planning conversations

A clear next step

Services in Houston, TX

Long-Term Care Insurance

Alternatives for people declined for Long-Term Care Insurance

Hybrid / Asset-Based Long-Term Care strategies

Fixed and Fixed Indexed Annuities

Annuities with Lifetime Income Riders

Life Insurance

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