About Long-Term Care Insurance

What Does it Cost?

The cost of long-term care insurance varies depending on the following factors:

  • Your age
  • The daily benefit amount and benefit period selected
  • Inflation protection and other riders
  • Your health status
  • Your marital status

Designing an appropriate plan for an individual requires an understanding of their concerns, beliefs, family and financial situation. A good place to start is to examine where you would want to receive care, your ability to co-insure part of the risk with social security or interest on your investments, and what you want your assets used for when you are gone.

Designing a long-term care insurance plan to keep you OUT of a nursing home, rather than paying for one, results in an affordable solution to the risk long-term care presents.

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