About Long-Term Care Insurance

Long-term care insurance is NOT just for seniors and it is NOT about nursing homes. It should be part of financial planning that when you are young, and healthy, and most likely to be approved for coverage. It is part of a plan to protect your dignity, quality of life and independence by providing money to keeping you OUT of a nursing home. Without insurance protection, a nursing home is where you will most likely end up if you need long-term care, once you have spend your assets down and qualify for Medicaid.

With long-term care insurance, you can plan for the quality of care you want, and maintain the independence you are accustomed to. Long-term care insurance provides you with:

  • Control

    You decide the type of care you need, who provides it, and where you get it.
  • Flexibility

    You decide how to spend your benefits - at home, an assisted living facility or a nursing home.
  • Freedom

    Enjoy your savings, rather than having to save it for fear of having to pay for long-term care one day.

Long-term care insurance is a simple way to preserve your independence and protect your financial security. It fills the gap left by health insurance, disability insurance and Medicare when you turn 65. It protects you in case of accident or illness at any age, and presents you from having to spend your retirement savings or sell your assets in order to pay the high costs of long-term care.

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