Understanding Long Term Care
What is long term care insurance all about? It's about freedom. It's about choices. It's about helping you live to the highest level of independence possible.
What Exactly Is Long Term Care?
It’s the kind of help you would need should a chronic illness, unforeseen accident or disability leave you unable to care for yourself over an extended period of time.
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Who Needs Long Term Care?
Unfortunately, many of us. A 2005 study found that 69 percent of people turning 65 years of age will need some long term care before they die. And women are more at risk than men.1
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The Cost of Long Term Care
Long term care can be expensive and having a plan will help alleviate financial, emotional and physical burdens on family and friends. The level of care you need and where you receive that care will have an impact on the cost.
See the cost of care in your area
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Paying for Long Term Care – The Options
When it comes to long term care, many Americans incorrectly assume that Medicare, Medicaid, supplemental policies or standard health insurance policies will cover the expenses.
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Debunking 8 Myths about Long Term Care
We all dream of living happily and well to a ripe old age. But if that dream doesn’t include how we will get the care we will more than likely to need, it’s time to wake up.
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Start the Conversation about Long Term Care Insurance
Let’s face it. You’d probably rather talk about anything else. For most of us, dealing with the potential of needing care as we grow older is downright unpleasant and sometimes scary. It doesn’t have to be. Not if you have a good plan in place.
Let’s start the conversation
| 1 | Kemper, Peter, Harriet L. Komisar, Lisa Alecxih, “Long-Term Care Over an Uncertain Future: What Can Current Retirees Expect?” Inquiry Journal 42 (Winter 2005/2006) |
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Have you started the conversation about plans for long term care?
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