Long-term careLong-term care insurance
covers a wide range of medical, personal and assistive services provided at home, in a care facility or in a nursing home for an extended period of time. It can help you maintain your independence in your later years, protect your standard of living and give you greater choices if you need confined care or home health care. Q: When should I consider it?
A: If you’re over age 65, the need for long-term care insurance may be obvious – you want to be able to pay for any long-term care expenses without draining your retirement savings or becoming a burden on your family.
Even if you’re 60, 55 or even 50 years old, you should consider adding long-term care insurance to your portfolio. If you require long-term care services because of a serious accident or illness, how will you pay for it? Disability insurance will replace a portion of your income, but you already have other expenses demanding your resources. Long-term care insurance helps you meet that need.
Contact us for more information on long-term coverage or any of our products.