Speak to a Licensed Insurance Agent: 
Long-Term Care Insurance for Seniors: Costs and Considerations
You’ve no doubt heard of long-term care insurance for seniors (LTC), and you may have even debated whether or not you should sign up for a plan. While not everyone can afford long-term care insurance, knowing what your options are and what factors influence the cost is important. For many seniors, LTC insurance is appealing. The coverage makes up for gaps that Medicare plans leave open, like nursing home costs and in-home or assisted living care. When paid for on their own, these services quickly add up to tens of thousands of dollars. But seniors living on a fixed income [...]
Long-Term Care Insurance: 3 Common Misconceptions
Like any insurance plan, long-term care insurance provides financial relief when you need it most. However, long-term care insurance is expensive. Given the expense, people put off buying a long-term care (LTC) policy or even making a plan for their future care needs. But if they do need it (and the odds are higher as people age), and care facility costs and home-care provider fees start to build up, the premium can provide financial support and peace of mind. Here are three common misconceptions why people think they don’t need an LTC plan and why rethinking that approach is important: [...]
Long-term Care Insurance: Do You Need IT?
William and his son, Jack, listen as the doctor explains the long-term care William will now need. Jack can cook for his dad, but William will need help with everyday tasks, such as dressing and bathing. And that means hiring care providers to come to William's home. Thankfully, his long-term care insurance will help with this new expense. When it comes to long-term care insurance (LTCI), many people delay buying it or figure they can get by without it. Plus, from premium costs to benefits, there are a lot of variables of consider. So, here are some important points to help you decide if [...]
