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Long Term Care Insurance

As you age, you may need help with things you’ve always been able to do yourself – shopping for groceries, fixing meals, cleaning the house. You may also need help with personal services, like bathing, dressing or taking medications. A long-term care insurance policy is designed to help you pay for these types of services.

A long-term care policy can become a huge part of your retirement portfolio as it only takes one long term care event to quickly wipe out your savings or assets.

Long-Term Care insurance may be right for you if…

You intend to remain in your home as long as possible – You value your independence and enjoy your home. You’re not planning to go anywhere…certainly not to a nursing home.
Family relationships are important – Your family means the world to you. You love spending time together and don’t want to do anything to jeopardize those cherished relationships.
You want to protect your retirement savings – You worked hard to plan for a comfortable retirement. Spending your life savings on long-term care services isn’t on your to-do list.

Long Term Care FAQs

What time is the best time to buy Long Term Care insurance?

Long Term Care insurance rates are based on the age and health of the client. The sooner you invest in a long-term product the lower the premium will be. The age of the policy or the years that you have the policy in affect will determine how much you will have to utilize as a payout for your long-term care.

When do benefits to begin?

When you purchase a long-term care insurance policy, you will select an elimination period (The waiting period, number of calendar days, before policy benefits are payable to you.) during which time any costs for long-term care services are your responsibility.

When you need care?

A licensed health care practitioner must certify you are chronically ill and submit a plan of care prescribing long-term care services.

Chronically ill is usually defined as 2 of 6 daily living activities for at least 90 consecutive days or you need continual supervision due to a severe cognitive impairment.

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Long Term Care Insurance

Long-Term Care insurance may be right for you if…

Long Term Care FAQs

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