Long-term care (LTC) insurance is an insurance product designed to help protect your assets in the event a long term care need arises such as through the normal effects of aging, an illness, or accident. Most long term care costs are not covered by Medicare or traditional health insurance. Additionally, many people feel uncomfortable or have no option to rely on their children or family members for care or financial support, so this type of coverage can help an individual face the future with more confidence & more choices.

Long term care is required when individuals are unable to perform activities of daily living. These can include dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking. Depending on your needs, long term care policies can help with costs associated with stays in licensed Assisted Living or Skilled Nursing Facilities, as well as in home care. Besides protecting your retirement savings and your family from financial and care-giving burdens, long term care insurance can also allow you greater independence in choosing where you receive care.

If you feel you might be a good candidate for Long Term Care insurance, I can help you evaluate potential needs specific to your situation as well as explore and understand the various policy options and premium levels available.