With Baby Boomers reaching retirement and Americans living longer than ever Long Term Care (LTC) policies should be on the minds of many people, in particular those close to retiring and those who will need to take care of loved ones over a long period of time. Long Term Health Care Insurance protects you, as well as those you love, in the event that extended health care is needed in your lifetime.

Many people don't think about long-term care until they get into their 70s and 80s and their health begins to fail. At these ages, you may be too high a risk for an insurer to cover you; or if you do qualify, the premiums can be astronomical. In fact, some long-term care policies have restrictions on age and health status.

The best time to buy long-term care insurance may be middle-age. It's the time when you have the highest likelihood of being eligible for a policy and, just as important, when premiums costs might be lower.

Long Term Care Insurance Helps to Cover:
» Daily activities such as bathing, eating, dressing
» Skilled nursing care or rehabilitation training either in a nursing facility or at home
» Cognitive impairment such as Alzheimer's and deals with care-oriented conditions, not cure oriented

Who Pays For Long Term Care (LTC)?
Many people are under the impression that Medicare, Medicaid or their health insurance will pay their Long Term Care costs.
» Medicare has eligibility requirements for skilled nursing care only and is for a limited time period.
» Medicaid is a welfare program. It will NOT cover long term health care costs for the average American.
» Health insurance and medical supplements DO NOT cover nursing home care.
» Individuals and families through their savings, assets, and cash pay most of the Long Term Care costs.

Although all long term care policies provide long term care benefit, no policy can be “one size fits all.”  It is our goal to help you to make the selection that matches your goals and objectives. Guarantees are backed by the financial strength and claims paying ability of Insurance Companies. To learn more about the Life Insurance products we currently have available, please contact us directly or fill out the form for additional information.