November is LTC Awareness Month!

Long-term care planning – It’s time to start

LTC Awareness Stay Informed


November is Long-Term Care Awareness Month. Even the U.S. Congress has urged “the people of the United States to recognize (this) as an opportunity to learn more about the potential risks and costs … and the options available.” We’re proud to support this important educational campaign.

Some things I believe you need to know about long-term care:

You’re probably not covered. Many people mistakenly believe they are covered for long-term care, but this assistance is not typically covered by your health or long-term disability insurance.

Government programs aren’t designed to pay for all your long-term care needs.
Medicare only pays for skilled care, while Medicaid only covers the very poor – those whose assets are at or below state-required levels. These programs often don’t cover care provided in your own home.

Long-term care doesn’t mean nursing home care. 
In fact, the majority of people who need long-term care remain in their own home or in their community. Most long-term care insurance policies will cover people in all care settings including the home. That’s a significant benefit.

Your age and health make a big difference in what protection costs.
Many people put off looking into long-term care insurance protection. Waiting to plan can be a mistake because the cost of insurance is based on your age, increasing as you get older. Your health is also a most important factor. Waiting to plan can be a costly mistake because a change in your health can make you ineligible for this protection (no matter how much you are willing to pay).

Why not find out how much long-term care insurance protection costs?
There is no cost or obligation to find out how much long-term care insurance protection costs. Why not find out now. It’s an important first-step to take. Call me today, at 877-977-0125.

Make Long-Term Care Awareness Month the time you start planning.