Ten Long-Term Care Insurance Truths

Ten Long-Term Care Insurance Truths

LTCi Supports the Family

1. LTC is about your family, not you. It affects families, not just individuals. This protection provides the dollars so your family can get help for you—preferably at home. LTCi does not replace what families do. Instead, it builds on the family support and allows them to provide the care better and longer.

2. LTCi provides peace of mind to you and your family.

3. LTCi is a gift to your children. These funds enable them to care for an aging parent without overwhelming their lives. How will your planning—or lack thereof—affect your family?

4. LTCi allows you to leave a legacy by protecting your children’s inheritance.

LCTi Can Enhance Your Retirement Plans

5. Long-term care is expensive, so paying for it on your own out of income or assets poses a serious threat to your retirement and financial plans.

6. Get over the denial that this will never happen to you. Please talk to your families and have a plan. The probability of needing LTC is very high. We are now living a long time, increasing the probability of needing care. This may be the largest financial risk Americans face.

7. It’s better to create a plan 10 years too soon than one day too late. And even more significant, the younger you are when you purchase a policy, the less you will pay over the life of the policy.

8. Medicaid reform is here to stay. The message from both federal and state governments is very clear—if you have assets to protect, depending on government welfare programs is not a viable option.

9. LTC costs are high both now and in the future. Think about the cost of care in 20 to 30 years. The purchase of a LTC policy today solves a million-dollar LTCi problem in the future.

Don’t Be Overwhelmed!

10. LTCi can improve quality of life through support programs that promote aging in place. This policy can be considered an ANTI- Nursing home policy. It gives you control, so you can age and receive care in the least restrictive environment possible.

Any Questions? You may reach Dane directly at: 949-854-3001 or email him at dane@LongTermCareInsurancePros.com

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To learn more about the risks and costs of LTC and the value of planning ahead, visit http://www.LongTermCareInsurancePros.com