The cost of health care is expensive and predicted to rise. Long term care for you during times of illness or injury is one of the most costly issues you may have to face in life. Long term care needs are not only an emotional strain, but a financial one as well.

A need for long term care may result from:

  • Accidents
  • Advanced Aging
  • Illness
  • Stroke
  • Other Chronic Conditions

Long term care insurance can help secure your life savings by protecting against crippling long term care cost. Long term care is the assistance you could need when you are not able to do some of the basic activities of daily living such as:

  • Bathing
  • Continence
  • Dressing
  • Eating
  • Moving In & Out of Bed
  • Toilet Use

Providing a sick family member with long term care can be time consuming, expensive and exhausting. Protect your assets, and have control over where you receive care (including your own home) by having the benefits of a Long Term Care Policy.

Any questions?

What are some other benefits of Long Term Care insurance?
If you were to suffer a terrible illness or injury, this policy could help you retain independence in decisions concerning care rather than relying on family members or government assistance to foot your bills … and your choices. Long Term Care can also help you prepare for the unexpected by providing insurance for things not covered by other benefits.

How do I know which LTC policy is right for my family?
This is where we come in to help! You know what fits in your budget, and we know the best policies for particular needs. Working together, we can determine what is right. For instance, the coverage an individual needs will be very different from a couple with children, so we will want a plan custom for YOU.

Is there a good age to use as a benchmark for when I should consider Long Term Care coverage?
Most people think about this type of insurance when they are close to retiring. However, premiums are much lower for people in their 40s and 50s than for those over age 65. As you age, health conditions are more likely to develop that might make you uninsurable. Also, after the age of 60, premiums for long term care policies rise steeply.

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