Long Term Care

Long-term care insurance helps pay for the expenses of long-term care and daily living, such as eating, bathing, dressing and other needs. Long term care insurance pays for all or part of these costs so you do not have to come up with the money yourself.

Approximately 70% of Americans who reach age 65 will need some long-term care during their remaining years.

1/3 of todays’ 65 year olds may never need long term care but 20% will need it longer than 5 years.

Women need longer care on average: 3.7 years vs 2.2 years for men.

As with most things insurance related, the longer you wait, the more it costs. A policy’s costs will depend on your age, current health and history of pre-existing conditions. Those with concerns can start to look as early as their 40’s. The most common age to shop for LTC is in your late 50’s and early 60’s.

There is no fine print, no “gotcha” techniques, and no hidden fees or commissions. If we are able to help you find a policy that makes sense for your situation and budget; then we are paid by which carrier you ultimately select for navigating the maze on your behalf.