Long Term Care
                    …gives you options for your care.

Long term care insurance is an insurance product that is sold in the United States and the United Kingdom and helps the beneficiary provide for the long term cost of care associated with the functions of daily living. Daily living activities include dressing, bathing, eating, going to the toilet, getting in and out of bed or a chair as well as walking. Long Term Care Insurance is designed to help Americans plan for their future long term care needs. Long term care insurance is an important financial tool to help you protect your assets and preserve your independence. The potential expense of long term care could easily deplete your entire savings.

Long term care insurance is not standardized and there is no guarantee of coverage. Based on your answers to questions about your medical history, a company can choose whether or not to sell you a policy. Long term care insurance is protection for your investment. Insurance provides protected growth for your investment portfolio.

Long-term care insurance gives you the ability to choose the type of care you prefer. Plans can include coverage of home care, hospice care, respite care, adult day care, care in assisted living facilities and nursing homes and some plans may include coverage for some types of informal (family or non-professional) care. Long-term care can be very expensive and the real amount you will spend depends on the level of services you need and the length of time you need care.

Remember one thing, one year in a nursing home can average more than $50,000.

Call me for a free review of your long term care insurance needs.

Check out A Shoppers Guide to Long Term Care for more information.