Long Term Care Insurance
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What is Long Term Care (LTC) Insurance?
We all might need a little extra help some day as the result of an accident, illness, or age. This help might be simple things like bathing or dressing. Having this help from family or professionals is critical in allowing us to remain at home and as independent as possible. While family can help, the burden can become overwhelming at times. That’s why having a plan in place is so important to allow for paid/hired care at home. If we do need to move to an assisted living or memory care place, the need for a financial plan for this is even more important.
This type of care is NOT covered by medical insurance or Medicare – and only once you're impoverished is it covered by Medicaid, and often only in a nursing home; where we’d rather not be.
National Data Shows:
Nearly 70% of people turning age 65 can expect to use some form of long term care during their lives, but only 1/3 of Americans have set aside money to protect themselves or loved ones should the need arise.
Protect your family, future and finances with
Life Insurance & Long Term Care protection.
See What Others Are Saying
At 27 I was getting married, well entrenched in my career path, and making all the adult decisions in life. One of those decisions was to purchase a Long-Term Care policy. I had no chronic conditions, no concerns about impending disease nor did I think I would need the policy until well into the future (like my 401k). At age 39 this dramatically changed. I couldn't write, my balance was off, and I was seeing double - this was diagnosed as Multiple Sclerosis. My early decision of preparing for the future meant I have total choice on how I receive care and it also means I do not burden those I love with care needs. If I had waited to purchase a policy until I was 40, I would have been uninsurable.
Laura S. OR
When we searched the market and checked prices in the individual LTC market, we didn’t think we would be able to afford this important financial product. But because my son's employer had group LTC we were able to get this important protection at way less than I expected! Peace of mind for our family at unbelievably affordable prices!
Roxanne
After my Mom took care of my Dad for several years, she went out and bought LTC insurance for herself. She even had the foresight to choose the inflation option. With that insurance, Mom was able to “keep her independence” (as she put it), by having 8 to 16 hour a day home health care for many years. Mom and we kids were ever so thankful that she had that insurance!
Pat