Reasons To Insure
Risk:
You have a 50:50 chance of needing long term care in your lifetime.
The need for long term care can happen at any time, at any age
Average long term care cost: $6,000 per month ($72,000/yr).
Average of 36 months of care at $6,000 per month = $216,000.
How will you pay?:
Health insurance and Medicare cover short term care, a few weeks, not long term care.
Your options: Pay out of pocket. Apply for Medicaid (welfare health care). Long term care insurance policy.
Consequences:
Imagine the consequences to those you care about if you needed long term care and didn't have insurance.
About Long Term Care Insurance
Why LTC Insurance
Because of the high risk of needing care, long term
care insurance may be the most important insurance
you will have.
Your Current Plan
If you knew that you or your spouse would need long term care next month or next year which would you plan for:
1) spend your life savings (self-insure)
2) rely on government aid (Medicaid welfare health care)
3) transfer the risk with long term care insurance?
If you haven't had first-hand experience with long term care then you might find it difficult to have any urgency. If you have had experience with long term care then you know that once health changes you become uninsurable.
Custom Plans
Since no two people are alike each has different long term care insurance needs.
We have helped thousands of clients just like you choose the most appropriate and afffordable plan.
Comprehensive Coverage
Covers 100% home and community
care,
assisted living care facilities including Alzheimer's
and nursing homes including private duty nursing care.
Pre-existing conditions are covered once the policy is in effect.
The policy is guaranteed renewable.
Waiver of premium when on claim.
No deductible for home care.
Survivorship benefits for couples.
Local care coordination and management by an independent professional.
International coverage and shared plans available in some states.
We Have Experience
For
over a decade we have been providing
long term care insurance to people
in all walks of life, in all
income ranges and ages.
Our clients live in big cities and small towns
all across America. They depend on our reputation and
so can you.
Take the next step and see if long term care insurance is appropriate, affordable and if you can qualify for it. Find out today.