What’s your plan for long term care? If you’re not thinking about this, you may want to take a moment – and start. Nearly 70% of those 65 and older will need long term care services at some point in time, and neither Medicare nor health insurance will pay for this kind of care. Medicaid may, but only after you’ve spent down your own assets. For most people, this is the option of last resort.
That’s why many people are turning to affordable, effective insurance options to protect themselves against a long term care expense. A well-designed long term care plan can help you to:
Today, there are several different types of plans available – traditional long term care insurance, life & long term care hybrid plans that will pay a death benefit or long term care benefit, long term care annuities, and even short term care plans. With so many options, we can tailor a plan to fit practically any family’s needs and budget. And remember, the younger and healthier you are, the less this costs, and the more options you have.
You owe it to yourself and your family to learn as much as you can. We’ll help you understand the risks you face, and explain the various solutions that are available. Once you know what you’re up against, and how you can protect yourself, then you can make an informed decision.