Long-Term Care Insurance for Leisure World Maryland Residents
A Leisure World resident called me last week. He was 72, living in the gated community, and worried about his retirement savings. He asked me: “Dan, I’ve lived here for years. What happens if I need long-term care? Will Medicare cover it?” The answer surprised him. Here is what every Leisure World resident needs to know โ and why I’m the local advisor who can help.
A Special Place: My Grandfather Bud’s Story
Leisure World holds a special place in my heart. My 92-year-old grandfather, Bud, lived there for a few years. I loved the golf course and all the amenities. Most importantly, I love the kind people there.
๐ด My Grandfather Bud โ he lived at Leisure World for several years. He loved the community, the people, and the lifestyle. I saw firsthand how this community supports its residents.
๐๏ธ The Golf Course: I loved the golf course โ 18 holes of beautiful scenery right in the heart of Montgomery County. It’s one of the best amenities in the community.
โค๏ธ The People: Most importantly, I love the kind people there. Leisure World is a community of active, engaged residents who look out for each other.
๐ก Age Requirement: You need to be at least 55 to live in Leisure World. For couples, at least one person on the deed must be 55, and the other must be at least 50.
๐ Population: Approximately 8,749 residents call Leisure World home.
๐ Why This Matters: At age 55+, you are in the perfect window to plan for your retirement, long-term care, and annuities. The decisions you make now will determine your financial security for the rest of your life.
Usher and Parishioner at St. Patrick’s โ Right Across the Street
I am an usher and parishioner at St. Patrick’s Church, which is right across the street from Leisure World.
๐ A Member of Your Community
- I serve as an usher at St. Patrick’s Church โ I help greet parishioners and make sure everyone feels welcome
- I am a parishioner โ I attend Mass regularly and am part of the community
- St. Patrick’s is right across the street from Leisure World โ I know this area well
- I understand the community because I’m part of it
When you see me at church, say hello. I’d love to meet you.
๐ Why This Matters
- I’m not a stranger โ I’m a neighbor who serves in your community
- I understand your values โ faith, family, and community matter to me
- You can trust me โ because you see me at church, you know who I am
- I’m accessible โ you can find me at Mass, at the shopping center, or at Roy Rogers
I treat every client like family โ because in this community, we are family.
๐ St. Patrick’s Church Facts
- Location: 4101 Norbeck Rd, Rockville, MD 20853 โ right across the street from Leisure World
- Mass times: Saturday Vigil 5:00 PM; Sunday 8:00 AM, 9:30 AM, 11:30 AM, 1:15 PM (Spanish)
- Community: A vibrant, welcoming parish that serves the Leisure World area
- My role: Usher โ I help welcome parishioners and assist with the flow of Mass
If you see me at church, please introduce yourself. I’d love to meet you and learn about your retirement goals.
What Long-Term Care Costs in Montgomery County
Leisure World is in Montgomery County โ one of the most expensive areas in Maryland for long-term care. Here is what you need to know.
| Care Type | Monthly Cost | Annual Cost |
|---|---|---|
| Nursing Home (Private) | $12,500 โ $15,500 | $150,000 โ $186,000 |
| Nursing Home (Semi-Private) | $10,500 โ $13,000 | $126,000 โ $156,000 |
| Assisted Living | $6,000 โ $8,500 | $72,000 โ $102,000 |
| Home Health Aide | $5,500 โ $7,200 | $66,000 โ $86,400 |
| Memory Care | $7,000 โ $10,000+ | $84,000 โ $120,000+ |
โ ๏ธ A 3-year nursing home stay in Montgomery County costs $450,000 to $550,000. Without LTC insurance, your retirement savings could be gone in just a few years. This is why planning now is so important.
Why Annuities Make Sense for Leisure World Residents
At age 55+, you are in the perfect position to turn your retirement savings into guaranteed income for life.
๐ What Annuities Provide
- Guaranteed lifetime income โ you can’t outlive your money
- Principal protection โ a 0% floor means you never lose money to market downturns
- Tax-deferred growth โ your money grows without current taxes
- No RMDs โ unlike IRAs, annuities have no required minimum distributions
- Peace of mind โ knowing you have guaranteed income every month
๐ Payment Options
- Single premium: One lump sum payment โ fully funded immediately
- Monthly pay: Pay premiums monthly for the life of the policy
- 10-pay: Pay over 10 years, then the policy is fully paid
- Pay-to-95: Pay premiums annually until age 95
- IRA funding: Use pre-tax retirement dollars via tax-free rollover
๐ Example: Leisure World Resident, Age 62
OneAmerica Asset Care: The Gold Standard in Hybrid LTC
OneAmerica Asset Care combines long-term care benefits with a tax-free death benefit. It is the only hybrid policy with lifetime LTC benefits.
๐ Why Asset Care Stands Alone
- Unlimited lifetime benefits โ you can’t outlive the benefit
- A.M. Best A+ (Superior) โ held for 74 consecutive years
- Joint coverage โ one policy covers both spouses
- IRA funding โ tax-free rollover from qualified accounts
- Guaranteed level premiums โ never increase
- Death benefit โ if you never need care, your heirs receive the death benefit tax-free
๐ Example: Leisure World Couple, Age 55
- Single premium: $135,142 (funded from IRA โ 25% bonus)
- LTC benefit: $6,000/month each, lifetime
- Death benefit: $200,000+ tax-free to heirs
- Tax impact: $0 โ tax-free transfer
No money is ever wasted. Either you get care, or your family gets a legacy.
Let’s Meet at Roy Rogers or After Mass at St. Patrick’s
I live up the road in Brookeville, above Olney. I can gladly come meet you at Roy Rogers or Roy’s breakfast place right in the Leisure World shopping center. Or we can talk after Mass at St. Patrick’s.
๐ Location: Leisure World Plaza โ 3800-3860 International Dr, Silver Spring, MD 20906
โ Meeting spots: Roy Rogers is right in the shopping center. There’s also a Roy’s breakfast place โ perfect for a morning meeting over coffee.
โช Or at St. Patrick’s: Since I’m an usher, you can find me at St. Patrick’s Church (4101 Norbeck Rd, Rockville, MD 20853). We can talk after Mass or schedule a time to meet.
๐ How to find me: I live up the road in Brookeville, above Olney. It’s a quick drive down to Leisure World. I know the area well. I grew up in this community. I was born at Holy Cross Hospital in Silver Spring.
๐ When: I’m flexible. Mornings, afternoons, or evenings โ whatever works for your schedule. Just call me and we’ll set it up.
๐ Call me: (301) 569-2224. I answer my own phone.
๐ What We’ll Talk About
- Your retirement goals: What do you want your retirement to look like?
- Your financial situation: What assets do you have, and what income do you need?
- Your long-term care needs: How will you protect yourself from care costs?
- Your legacy: What do you want to leave for your family?
No pressure. Just honest advice from a neighbor who wants to help.
Why Dan Walsh for Leisure World Residents?
I was born at Holy Cross Hospital in Silver Spring, MD. I am a father of four โ three daughters and a son. I have been helping Maryland families protect their retirement since 1997.
๐ A Personal Connection
My grandfather, Bud, lived at Leisure World for a few years. I loved the golf course and all the amenities. Most importantly, I love the kind people there. I understand this community because my family has been part of it.
I am also an usher and parishioner at St. Patrick’s Church โ right across the street from Leisure World. When you see me at church, you see a neighbor who cares.
I treat every client like family.
๐ 28+ Years of Experience
I have been helping clients since 1997. I specialize in LTC insurance, annuities, and retirement planning. I am licensed in Maryland, Virginia, DC, Florida, and all 50 states.
๐ Born and Raised in Maryland
I was born at Holy Cross Hospital in Silver Spring. I attended Saint Andrews the Apostle School, St. John the Evangelist School, Our Lady of Good Counsel High School, and graduated from the Smith School of Business at the University of Maryland.
๐ I Answer My Own Phone
No call centers. No junior agents. When you call me, you get a neighbor who understands what’s at stake. ๐ (301) 569-2224
๐ What You Get From Me
- My full attention and care โ I treat every client like family
- A deep understanding of your situation โ both financially and forward-thinking
- Expert navigation โ through different LTC and annuity packages
- Honest advice โ no pressure, just what’s best for you
- A neighbor who cares โ because I’m part of this community too
Frequently Asked Questions About Leisure World LTC & Annuities
What is the age requirement to live in Leisure World Maryland? โผ
How much does long-term care cost in Montgomery County? โผ
Are you connected to the Leisure World community? โผ
Can you meet me in person at Leisure World? โผ
What is a hybrid LTC policy? โผ
How do I get a long-term care insurance quote in Leisure World? โผ
Dan Walsh | NPN 3028543 | Born at Holy Cross Hospital, Silver Spring, MD
I was born at Holy Cross Hospital in Silver Spring, MD. I attended Saint Andrews the Apostle School, St. John the Evangelist School, Our Lady of Good Counsel High School, and graduated from the Smith School of Business at the University of Maryland.
I am a father of three daughters and a son. I am an usher and parishioner at St. Patrick’s Church โ right across the street from Leisure World. My grandfather, Bud, lived at Leisure World. I understand this community because I’m part of it.
I answer my own phone. No call centers. No junior agents.
๐ (301) 569-2224 | โ๏ธ dwalsh@mdlifeins.com | Licensed in Maryland and all 50 states
Dan Walsh | Licensed Insurance Agent | Leisure World LTC Specialist
NPN: 3028543 | MD Life Insurance | Since 1997 | Google Verified
โช St. Patrick’s Usher
๐ Born at Holy Cross, Silver Spring
๐จโ๐งโ๐งโ๐ฆ Father of Four
๐ (301) 569-2224
Specializing in long-term care insurance, annuities, and retirement planning for Leisure World and Montgomery County residents. Licensed in all 50 states.
CTA: /care โ Free LTC Quote | /oa โ OneAmerica Asset Care
๐๏ธ Ready to Protect Your Retirement in Leisure World?
I’ll help you navigate through different long-term care and annuity options. No obligation. Just honest advice from a neighbor who understands this community โ and cares about your future.
๐ง dwalsh@mdlifeins.com | NPN 3028543 | Since 1997 | Licensed in all 50 states