Long-term care insurance is the private enterprise system’s solution to
this serious problem that threatens the financial security of Americans. It is
a relatively new form of insurance that provides benefits for all levels of
care provided by home health agencies, assisted living facilities, adult day
care centers, and nursing homes. Some policies do not require home health care
to be provided by a home health agency, and some even provide money to pay for
home care provided by friends and family. The policies are age-rated and
health underwritten. So, the earlier one purchases a policy, the lower the
premiums. Another good reason for getting coverage at an earlier age is once a
serious health problem is diagnosed, you may not be able to qualify for
coverage. Typical applicants are between ages 30-84, but long-term care
insurance policies are available to people ages 18 and up who qualify for
coverage.
People should be able to enjoy the assets they have saved when they retire.
Too often, the fear of a husband or wife getting sick causes older Americans
to abandon their plans and not have the quality of life they anticipated in
retirement. Long-term care insurance can give you the financial security to
enjoy your retirement to the fullest. Younger people buy it to protect the
growth of their savings and to insure themselves in the event of a long-term
care need at a younger age.
The purchase of long-term care insurance is not something you do just for
yourself. You really do it for your family—your spouse and your kids. The
emotional trauma of long-term care is enough to deal with. Giving your family
the financial support to deal with long-term care needs is one of the most
meaningful things you will ever do for them. Planning for long-term
care is not just a good idea—it’s essential for every American so that
families may retain INDEPENDENCE and CHOICE when care is needed.
Long-Term Care Insurance
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We look forward to serving you. |
