Long-term Care Insurance

It might be hard to imagine now, but chances are you’ll need some help taking care of yourself later in life whether you stay in your home, a nursing home, an assisted living facility, or an adult day care center. The big question is: How will you pay for it?

Buying Long-term Care Insurance is one way to prepare. Long-term care refers to a variety of services that aren’t covered by regular health insurance or by Medicare. This includes assistance with “activities of daily living” such as: bathing, dressing, grooming, toileting, or getting in and out of bed

A Long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease, and it is an important part of any long-range financial plan. The majority of people with long-term care insurance buy it in their mid-50s to mis-60s Waiting until you need care to buy coverage isn’t an option. You won’t qualify for long-term care insurance if you already have a debilitating condition, and long-term care insurance carriers won’t approve most applicants over the age of 75.

If this is something you have been considering, please call or
schedule an appointment for a free consultation.

Medicare Made Easy

Medicare is very complicated and can seem overwhelming. We break it down in an easy and understandable way to help you make smart decisions about your Medicare options. We take the confusion away making Medicare easy.