Would you prefer that your family provide your care or coordinate your care? You have likely seen the statistics about the risk of needing long-term care as you age. Like most you’ve told yourself “it will never happen to me” You may very well be right, but what if you’re not?
Medicare and most health insurance plans don’t pay for long-term care. What would happen to your family members- emotionally, physically and financially- if you lived a long life and might need care for a few years? Long-term care doesn’t happen to you. It happens to the people you love. Without a long-term care plan, your spouse or children would have little choice but to set their own lives aside in order to care for you.
When it comes to long-term care planning, there isn’t a one-size-fits-all solution. That’s why it’s important to work with an agency that understands every client’s situation is unique. We can help you protect your family and design an extended care plan for your specific needs. We are an independent agency, certified in long-term care (CLTC), working with all the plan types and insurance carriers.
The long-term care insurance market has become more complex. As specialists, we provide a consultative, educational approach to our clients. We analyze all carriers and plan designs. Summarize and customize recommendations for age, health, and budget, and educate you on appropriate options. These include stand-alone traditional long-term care (LTC) plans, State Partnership plans, Life / LTC hybrid plans, and life insurance with LTC riders.