Long Term Care Insurance

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Long-Term Care Insurance Explained

It may be hard to imagine, but at some point in life, you may require long-term care. You may require assistance in your home with daily activities such as bathing, dressing, and eating; community services like adult day care and transportation; or ongoing care in a nursing home, assisted living facility, or other facility.

Long-term care is one way to prepare for the future.

Long-term care insurance covers a range of services that are not typically covered by health insurance. Routine daily activities like bathing, dressing, and getting in and out of bed, for example, are included.

Long-term care costs are an important consideration for any long-term financial planning, particularly as you age. You must acquire long-term care insurance prior to needing care, not afterwards. If you already have a serious condition, you won't be eligible for long-term care insurance, and long-term care insurance companies will not accept most applicants over 75 years of age. Most people buy long-term care insurance in their mid-50s to mid-60s.

We complete a comprehensive needs analysis with each client to determine his or her financial objectives and how we can create a program to help protect and achieve those goals.

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