The odds are that at some point in your life, you’ll need long term care. Long term care is defined as sub-acute care that is required because an individual has a prolonged illness or injury and needs help from others in order to live. One may need assistance in order to perform two or more activities of daily living (bathing, continence, dressing, eating, toileting or transferring), and/or one may need supervision due to cognitive impairment. Unlike other types of health insurance, Long term Care Insurance covers the costs of care in any home or facility by a professional caregiver.
Our generation has been blessed by an increasing average life span, due to advances in medical science. We are living almost twice as long as our ancestors did only 100 years ago. But with this blessing comes the drawback that the longer we live, the more likely that we will need long-term care before we leave this world. This can have a profound financial and emotional effect on for you and your loved ones.
Protect Your Family
Whatever the cause may be- an unforeseen accident, illness or natural old age, a long term care event can be the biggest single risk to your retirement savings. This can also place a tremendous amount of emotional, physical and financial burdens on your loved ones. They will be forced to set aside important parts of their lives, delaying or even losing opportunities for career advancement, higher education and their own financial well being to become your full time caregiver. Don’t let your final years be a burden to your family. With the right Long Term Care Insurance coverage you can protect your assets, your dignity and your lasting legacy.
A California Long term care insurance (LTCI) policy helps you protect:
- Your assets. The high costs of your daily care are covered when you need it.
- Your choice of care. Where you receive professional care, at home or at a facility, will be your choice.
- Your family’s peace of mind. They can rest easy knowing you are care is provided by professionals.
- Affordable rates. Protect yourself against rising cost. The sooner you get LTCI and lock in your rates, the more you’ll be able to save.
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Insure your future care for your peace of mind. Contact us today to discuss your options with one of our specialists and learn more about your choices.
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