Long Term Care Insurance

Reality Check:  Americans are aging.  While we're living longer unfortunately we're not living any healthier.  Illnesses and injuries that just a few years ago would end in death are now treatable but at the cost of needing care in a nursing home, assisted facility, or at home.  The cost of this care is rarely covered by Medicare, Medicaid, or private insurance or if covered only a small portion is paid for.  This is creating a financial bubble and strain on families taking care of their parents and grandparents.

Today in some areas full time nursing home care can run $70,000, assistance in a facility $50,000, and even part time home care $30,000 or more.  That usually is paid for by either your assets or from your family.  The choice is to pay 100 cents on the dollar for care, or buy long term care insurance at a fraction of the cost.

Long term care premiums are competitive, are tax deductible in many situations, relieve families of the burden of how to financially care for loved ones when they are in great need, and maintain the quality of life when seniors need it most.   Over half of all seniors will need some type of assistance and the choice is yours to pay as you go or protect your assets by shifting the cost to insurance. 

These policies cover you whether you need a nurse or aide at your home, in an assisted care facitlity, or in the worst case scenario full time nursing home care.  You decide how much benefit you want, when it begins to pay, and for how long.  Call today to protect yourself and your loved ones against financial disaster.