Long Term Care Insurance

longtermcare-270LTC insurance helps pay for home care, whether provided by family and friends or through professional home care organizations. It also helps cover care received in Adult Day Care, Assisted Living Facilities, and Nursing Homes. With a flexible product design, you can structure a plan that's right for you and meets your specific needs and budget.

With long term care insurance, you have the protection you need for the high medical expenses incurred by a long term stay in these facilities. With this type of insurance, you can choose a daily amount that will be paid to the facility.

Long term care insurance provides many different benefit options and is a very important part of your complete retirement plan. Yet, it is an area that few people plan for until it is to late. You can’t buy this type of insurance when you are preparing to go into a nursing home or assisted living facility; you must plan ahead before you need it.

The national average long term medical care cost is over $200,000 per person. One in two people over the age of 65 will have a need for a long term medial care stay.

We highly recommend that everyone have a comprehensive policy that will pay for any type of skilled nursing you might need, since these needs are so unpredictable. There are also some very creative ways to pay for this coverage.

If you would like more information about long-term care insurance or would like a free quote,
please contact us and we will get that information to you in a timely manner