Long Term Care

You don’t want to think about our loved ones needing long-term care. It’s a reality, And if we don’t face it now it could cause financial devastation.

LTC May or may not be for you. Here are some things to consider.

  1. Do you have unlimited assets?
  2. Do you have trouble paying on your bills?
  3. Do you want to protect your assets and income?

Is a partnership program available in your state? A partnership plan is intended to encourage the purchase of long-term care to cover a portion of long-term care while also alleviating the burden to the states to pay for your care via Medicaid.

There are three types of long-term care insurance.

  1. Individual long-term care insurance
  2. Hybrid long-term care insurance
  3. Life insurance with a long-term care rider

One of the drawbacks of long-term care is that it can be expensive the older you get the longer you wait. And premiums can increase over time.

What would happen if you could no longer live independently at home?

We will assist you in reviewing your goals and determining your need for long term care.

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