Why Consider Long-Term Care Insurance?

Are you aware that 70% of people who reach age 65 will need Long-Term Care (LTC) at some point during their lifetime? While nursing homes and assisted living are popular, there is no place like home – 80% of all LTC is provided in the home, either at the home of the person receiving care or at the home of a family member.

Long-Term Care Insurance goes beyond what your health insurance or Medicaid may cover by reimbursing you for services needed to help you maintain your lifestyle if age, illness, or injury makes it difficult for you to take care of yourself. LTC Insurance options can help with costs associated with going into a nursing home or assisted living facility, as well as home health care.

Benefits Included In Most LTC Policies:

  • Home Modifications
  • Home Safety Checks
  • Durable Medical Equipment
  • Provider Care Checks
  • Caregiver Training
  • Medical Alert Systems
  • Household Duties (i.e. Laundry, meal preparation, bill paying)
  • Medication Management

The key to a successful long-term care plan is to explore all your available options. Planning ahead will help protect your assets from the devastating cost of care and spare your family from the stress and financial burden of paying for your future needs. Let one of our agents help you find the right LTC plan today!