Long-Term Care (LTC) Insurance

Long Term Care planning preserves choices.

If you're 55, this is probably a subject you don't even want to think about.  If your are 35, its one you likely can't even fathom at this point in your life and career.  But planning ahead for the likelihood of needing long-term care can mean the difference between having a feeling of financial security about your retirement years--or not.


It's a topic too important to ignore.  There's a strong possibility that you or your spouse will have a need for long-term care.  As a matter of fact, seven out of ten people over the age of 65 will, and the total cost of LTC treatment can easily approach or exceed $200,000.


Generally, these costs are covered by only three different sources: you or your family's assets, government programs like Medicaid (a program designed for those with few resources), or various types of long-term care insurance products.  Don't believe the myth that Medicare will cover the costs of your long-term care--because it won't.


Beginning today, you don't have to live in apprehension of the topic of LTC.  Instead, come talk with us and we can help guide you through the choices in planning your personal long-term care strategy.


For some people, a traditional long-term care policy may make sense.  For others, a long-term care rider on a life insurance policy is an appropriate strategy.  We can help you choose what works best for your situation.