Coverage includes nursing home, home health care, homemaker services, respite care and memory facilities – expenses that aren’t covered by Medicare.
Long-Term Insurance Can Protect Your Estate
Long-term care (LTC) insurance gives you financial assistance if you ever needed help with day-to-day activities such as bathing, dressing and eating meals.
If you own your home and you have savings you will have to pay-out-of-pocket for elderly nursing care which could drain your savings or wipe out your estate in your senior years.
You Have a 50% Chance Of Needing Long-Term Care
If you are age 65 right now, you have a 50% chance of needing long-term care services, which is very expensive.
Out-of-pocket cost of a semi-private nursing home room nationwide is $85,775 per year. Assisted living runs $45,000 annually, and home health aides charge $135 per day. Call to get a head start on Long-Term Care Insurance.
At Home Care or Memory Facility Care for Alzheimer’s Patients
Offers Alzheimer’s patients in-home, assisted living or nursing-home care – expenses that aren’t covered by Medicare.
In addition to nursing home costs LTC covers home health care, homemaker services, respite care and memory facilities.
When Should You Buy Long-term Care?
If you want long-term care insurance, start looking in your 50s or early 60s. By the time you reach 65, chances are about 50-50 that you’ll need paid long-term care (LTC) someday.
If you are broke, don’t worry about taking out long-term care insurance as Medicaid will cover you if you ever need elderly care as you are unable to pay out-of-pocket.
Get a Head Start on your long-term care insurance
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