Long Term Care Insurance

Long Term Care Insurance

Long term care affects the entire family

The need for long term care can happen to anyone at any time

It could be you, your spouse, a parent, or even a sibling. Normally, long term care insurance, asset protection the need for long term care results from a lengthy, chronic illness. However, something as unexpected as an accident or injury could result in the need for long term care. Long term care insurance can help.

An estimated 70% of people who reach age 65 will need some form of long term care before they die.₁

We have 2 limited payment options for Long Term Care Insurance:

10 payment option
Paid up at age 65

Both of these limited payment options allow you to have a very short period of time to make premium payments and then you have LIFETIME COVERAGE

Book a Phone Appointment now

CLICK THE BOOKNOW Button Above

Long term care is a variety of services and support to meet health or personal care needs over an extended period of time. Most long term care is non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADLs), which are: Bathing, Dressing, Using the toilet, Transferring (to or from bed or chair), Caring for incontinence, and Eating. The goal of long term care services is to help you maximize your independence and functioning at a time when you are unable to be fully independent by having long term care insurance .

Now, while you’re healthy, is the time to think about and plan for those unexpected things that can happen in life. You need a plan today, and in the days to come, so that you can protect your family and your future by using long term care insurance.

Where does long term care take place?

It’s important to keep in mind that long term care is defined by the type of services provided, rather than where they are provided. The majority of people with long term care needs long term care insurance initially receive assistance at home or in community based settings before moving into more intensive care settings.₂ This means you could stay at home and remain an integral part of family activity.

Call us for rates and a Quote 866-392-INFO (4636)

How will you pay for care?

Some people begin paying for long term care services on their own, but find that their savings will only cover a limited amount of care. Long term care typically isn’t covered by traditional health insurance plans. You may plan to rely on your health insurance or government programs, like Medicare or Medicaid,₃ to help you. Medicare provides limited coverage for skilled care only after a hospital stay, does not cover chronic conditions, and you usually must be at least 65 to be eligible. Medicaid pays for skilled and custodial care only after you meet the requirements for income and assets. This is where long term care insurance can be very useful.

Why should you consider long term care insurance?

Long term care insurance is one option to help you plan for the high cost of future care. While you may also receive support from family or loved ones, one way to ensure that you have more control in receiving the type of care you want – in the setting you choose – is with a customized long term care insurance policy. The choices you make today could impact your future lifestyle, and the quality of life you experience.

Please contact us today for more information at 866-392-INFO (4636)

There’s a clear advantage to buying long term care insurance at a younger age. Premiums are typically lower, plus you’re more apt to be healthy and qualify for coverage.₄

For a Long Term Care Insurance Brochures

Click here long-term-pcg.pdf

Click here for Qualified Long Term Care Coverage

_{1. Council of Economic Advisors. Economic Report of the president. 94. Washington, DC: U.S. Government PrintingOffice. 02/17/07. 2. “Long-Term Care Over an Uncertain Future: What Can Current Retirees Expect?” Inquiry Journal. Winter 2005. 3. For more information regarding benefits provided by Medicare or Medicaid, visit www.cms.hhs.gov. Medicaid guidelines vary by state. Contact your local Medicaid office for details. 4. "Quinn: Insuring Your Future Care. Insurers are offering new forms of long-term care insurance for boomers who might be willing to buy at a younger age." By Jane Bryant Quinn. Newsweek. 06/17/07.}

	Related Links
	Long Term Care info

No one wants to think about a time when they might need long-term care. So planning ahead for this possibility often gets put off. Most people first learn about long-term care when they or a loved one need care. Then their options are often limited by lack of information, the immediate need for services, and insufficient resources to pay for preferred services. Planning ahead allows you to have more control over your future.
866-392-INFO (4636)
Planning ahead for long-term care is important because there is a good chance you will need some long-term care services if you live beyond the age of 65. About 70 percent of people over age 65 require some services, and the likelihood of needing care increases as you age.