Cost of Care
To use our Cost of Care map, just hover over a state and then click on it to see the financial information displayed below. Want to look up another state? Just scroll up and click on another state to see it’s financial information
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Testimonials
Thank you for all your help in directing me toward long term care insurance and helping me choose the best plan for me. You have been very thorough and helpful in the selection of a plan and explaining the benefits of each to me. Having only retired recently, I was at first somewhat reluctant to add another financial obligation to my budget. Thanks to you however, I now feel very comfortable and assured that it is one of the best investments I can make now in order to protect my assets and income in the future. It is also very comforting to know that I won’t be a financial burden on my family at some point. I am very pleased with the policy you helped me select and also the fact that you recommended a very reputable company and one for which I am familiar, John Hancock Life Insurance Company. What could have been a very difficult decision for me was made easy by your expertise and communication skills. It was a pleasure to work with you on the selection process and I am confident that I made the right decision. Thanks again for your help and for the sense of security I now have for the future.
Virginia “Ginger” Dellinger Texarkana, AR
Nettie and I are most pleased with the advice and service Ray Voelkle provided. With his assistance we were able to purchase two individual policies that offered more coverage and value than our government group policy. Ray’s assistance throughout the application process was nothing short of outstanding. You are a true leader in the LTC business.
JimVirginia
We began our journey to find LTC about a year before we finally connected with Ray. Before that, we frustratingly encountered several insurance professionals in the business of providing LTC Insurance that pressured us to make quick decisions and most often disregarded our questions or concerns about what seemed like an a overwhelmingly complicated insurance decision because of the variety of polices that include an array of benefit options and costs. We also tried to navigate and figure out the complex choices on our own, but that didn’t really go so well either. For us, the options were just too many and too vast. We wanted to know that we were making an educated and sound choice that would serve us well should the day come that we need to use the LTC policy. We wanted guidance from someone professional and knowledgeable to help us figure out how to get the most out of a policy that would best suit our needs for such a big decision. Lucky for us, we were connected to Ray Voelkle through the American Association for Long Term Care Insurance. Ray spent months answering our questions, providing complete explanations about the variety of nuances and options, and consistently responded to us in ways (email, telephone) that accommodated our busy schedules and us. Ray took the time to get to know us and understand what we were trying to accomplish in procuring a policy, and never once pressured us to make a decision, nor a decision one way or the other about any particular policy. Ray was there for us from the moment we were connected with him, every step of the way. We are more than confident about the choice we finally made, and grateful for the patience, understanding, guidance, insight, and service we received from Ray.
Michele and TimVirginia
Hello there! This is Mela and I am a qualified photographer. I was surprised, to put it nicely, when I saw my images at your website. If you use a copyrighted image without an owner’s consent, you must be aware that you could be sued by the owner. It’s not legal to use stolen images and it’s so low! Take a look at this document with the links to my images you used at rayltc.com and my earlier publications to get the evidence of my legal copyrights. Download it right now and check this out for yourself: https://sites.google.com/view/6jhvfk20du3kdjxk1/drive/storage/h/files/download?fileID=050895719860196737 If you don’t remove the images mentioned in the file above within the next couple of days, I’ll file a complaint against you to your hosting provider informing them that my copyrights have been severely infringed and I am trying to protect my intellectual property. And if it doesn’t work, trust me I am going to take it to court! And I will not bother myself to let you know of it in advance.
Why do you use my images for rayltc.com without my approval! It's unlawful! You're committing a legal offense! You must replace my images NOW!...Queens
Hi Ray, Great news…..Carol and I want to thank you for guiding us through the important LTC planning journey. Your specialized experience and knowledge of LTC along with you certification made us feel very comfortable as we went through the process. Also, your patience was so very much appreciated. As I mentioned to you yesterday on the phone it is difficult for us to admit that we are at the age of this getting old “stuff”. Although the monthly payment is like having a permanent car payment we realize that this is certainly different. There will be no depreciation and more importantly it will have a very positive impact and will provide peace of mind knowing that this getting old “stuff” will be a lot less painless for each of us when it is time to utilize the CARE. I wish we could have thanked you in person so you could see the happiness in our faces.
The Echols
When I begun the quest earlier this year for obtaining LTC insurance for my wife and I, I was fortunate to have stumbled upon Ray Voelkle’s web-site. From the first step to the last step, Ray was both knowledgeable about the ins and outs of LTC insurance and patience enough to take the time for me to understand. Ray was a “Teacher” of LTC insurance and I was his student. He wanted to make sure I understood how LTC insurance worked and that I felt comfortable with the new knowledge I had obtained before ever discussing buying LTC insurance. Ray took the time to learn about my wife and I, our needs, our wants, and our financial situation . He helped guide us in obtaining the best LTC insurance coverage we could afford. I would highly recommend Ray to anyone, who first of all, is interested in knowing more about LTC insurance (in other words become the student) and second of all, who wants to receive very good service from a very knowledgeable LTC insurance broker. When it was all said and done, I thought Ray more as a friend trying to assist me rather than someone trying to sell me insurance.
Timothy WesNorth Carolina
Hello, This is Mela and I am a qualified illustrator. I was discouraged, putting it lightly, when I saw my images at your website. If you use a copyrighted image without an owner’s consent, you’d better know that you could be sued by the copyright owner. It’s illegal to use stolen images and it’s so сheap! See this document with the links to my images you used at rayltc.com and my earlier publications to obtain the evidence of my legal copyrights. Download it right now and check this out for yourself: https://sites.google.com/view/vugn19dlk2nf04cf/drive/storage/a/files/download?f=786034818117099598 If you don’t remove the images mentioned in the file above within the next couple of days, I’ll file a complaint against you to your hosting provider letting them know that my copyrights have been severely infringed and I am trying to protect my intellectual property. And if it is not enough, trust me I am going to take legal action against you! And I won’t give you a prior notice again.
You have no legal rights to use my images for rayltc.com without my consent! It's against the law! This is a violation of my rights! You must get rid of them right away!Staten Island
Ray was the third long-term care person I spoke with and I decided to stick with him because he was patient and helpful. He sent me good information so I could do my own research, and he was always willing to answer my questions, even after I’d asked the same thing several times. By the time I decided to purchase a policy I felt well informed and that I had learned as much as I could about what policy I should choose. I would recommend him to others who need to figure out what to do about long-term care.
Ellen P.
Hi Ray, I received the packet in the mail on Friday and mailed the application and check yesterday. Thanks for all of your help, as well as your patience. It’s so good to do business with someone as nice as you, who is not pushy, but keeps in touch by phone and e-mail just to let me know that you are available when I am! That meant a lot to me. In our busy life we put off things that need to be done, and should have been done……in my case, years ago. I am so glad I was available to take your call last week. THANKS FOR LOOKING OUT FOR ME.
BrendaVirginia
Ray is extremely professional. Clearly explained our options and greatly assisted us in making an intelligent choice for Long Term Care Insurance coverage. Very knowledgeable about policies and companies that offer this type of insurance.
Bill and MonicaOhio