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long term care Insurance

Americans are living longer than ever before, and with continually rising health care costs, the need for long-term care (LTC) becomes more of a “when” than an “if” situation. Long-term care planning is more than identifying a funding source.

Long-term care is a range of services and support designed to meet your health or personal care needs during a short or long period of time. Most long-term care needs do not relate to medical care aid, but rather assistance with the Activities of Daily Living (ADL) such as:

Bathing, Eating, Dressing, Using the Toilet, Transferring, Caring for Incontinence

When planning for long-term care, it’s important to consider the costs associated with the type of care you may want, which may vary based on the level of care offered, location and quality of the facility.

A comprehensive care strategy helps you:

Prevent loved ones from making tough decisions without input.
Create a tax-efficient funding source for long-term care expenses.
Protect retirement dollars and legacy.