Did you know that 70% of people over the age of 65 will need some form of long-term care insurance in their lifetime?

We have insurance on our homes, our cars, and even our cell phone, but many people do not have insurance on their biggest risk of bankruptcy in retirement!

What is Long-Term Care?

• Extended care is not a place or a condition, it is a life-changing event
• Long-Term Care insurance pays for your care if you become unable to perform 2 out of the 6 activities of daily living (bathing, dressing, toileting, transferring, continence, and eating) or if you develop cognitive impairment

Our Philosophy around Long-Term Care:

We take an education-based approach to help you plan for Long-Term Care costs. We believe that if you have the proper information, you can make an informed and proper decision for yourself and your family.

Do you and your family have a plan in place if you were to need some form of extended care?

Without a plan in place, there are emotional and financial consequences on your family and loved ones. Long-Term Care insurance can be used to help fund your extended care plan, but traditional Long-Term Care insurance is not the answer for everyone. What is most important is to get educated on what your situation would look like if you were to need extended care.

Unfortunately, many people do not have a plan in place, and that is because they are not properly educated on their risks and options. This leaves many families forced to be reactive, instead of proactive. By doing your due diligence and getting educated by one of our specialists, you can then determine if the insurance would be the right fit for you and your family’s situation.

Types of Long-Term Care Insurance 

There are various avenues for Long-Term Care and these types of policies have drastically changed over the last few years! There are much better options than ever before.

Did you know that there are Long-Term Care programs where…

• premiums are guaranteed to never increase
• the policy will pay you cash
• if the insurance is never used then all of the money paid in would be returned to the beneficiary upon passing

Things to consider when it comes to Long-Term Care:

• Helps you pay for your extended care plan
• Without it, you pay these exorbitant costs out of pocket
• The odds of needing some form of Long-Term Care are higher than the odds of claiming your home/auto insurance and are even higher than the odds of being hospitalized

Misconceptions about Long-Term Care Insurance

We have helped thousands of clients find and qualify for affordable Long-Term Care programs. We get to know your situation in order to start exploring options, and most importantly, provide you with invaluable education. Call us today to schedule your free consultation!

We have helped thousands of clients find and qualify for affordable Long-Term Care programs. We get to know your situation in order to start exploring options, and most importantly, provide you with invaluable education. Call us today to schedule your free consultation!