Why do you need long-term care insurance?

• To maintain your independence
• To provide options for care and caregivers (allowing you to stay at home as long as feasible)
• To protect your assets and standard of living
• To avoid placing undue burdens on your family
• To leave more assets to your family, or other charities of your choice

Is long-term care insurance right for you?

Quite possibly, but it depends on your specific circumstances. A well-designed long-term care insurance policy may be one of the best financial decisions you make. It could play a very important role in giving you and your family peace of mind, knowing that you will have the necessary resources to pay for quality care - where and when you need it.

Who should buy long term care insurance?

You should consider buying LTC insurance if...
• You have significant assets and income that may need protecting.
• You don't have significant assets and income, but you don't want to rely on the Medicaid (Medi-Cal in California) program.
• You want to remain financially independent and not rely on family or friends for care.
• You wish to guarantee you and your spouse will receive quality care, when and where you choose.

Because today's long-term care insurance policies offer a variety of features and benefits, it pays to take your time when choosing your policy and speaking with a specialist who can help you with your questions.

Please feel free to call me for a no cost consultation or fill out our request information form for more information.

Statistics show that at least 6.4 million people aged 65 or older need long-term care, with one in two over age 65 requiring care.

At least half of the population who are 65+ will need help with activities of daily living. This care is provided when someone can no longer independently carry out essential everyday activities like eating, bathing, dressing, etc.

Most people think of long-term care as something needed by older people, but accidents or prolonged illness can strike anyone of any age.

Because it is an unpleasant thought, many people are not prepared when the unexpected happens.