You can't predict the future, but you can plan for it.
Perhaps one of society's greatest achievements is that we are living longer than ever. Advances in medicine, access to health care, and a focus on healthier lifestyles all contribute to this achievement. In fact, a 65 year old today, has a 25% chance of living to the age of 92. That's a lot of living, a lot of family, a lot of memories, a lot of time.
During your lifetime, you've worked hard to create a financially secure lifestyle for your family including life insurance and disability income insurance. It's time to start planning for your any possible long-term care needs that could be in the future. Although it would be nice, no one can predict the future. You can, however, plan for the future.
We understand that in your current situation, it may be difficult to imagine not being able to take care of yourself or not having a family or close friend care for you as you age. However, about 70% of people 65 and older will need some type of long-term care service during their lifetime.
This long-term care may include home care, adult day care, respite, hospice, Alzheimer's, and residential care either in assisted living or nursing home facilities. This kind of care can be very expensive--the median yearly cost of a room in a private nursing home is $83,950--and in most cases the cost is not covered by health insurance or Medicare. Long-term care insurance is designed to cover the costs of long-term care facilities.
We're committed to your peace of mind.
It's never too early to think about the future and potential long-term care needs. More than half of American adults are concerned about paying for long-term care services, yet only 13% have long-term care insurance. Let's put those worries to rest and talk about coverage options. Give us a call today and we will help you find that peace of mind.