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Long Term Care is a service provided in the form of home health care, assisted living facilities, community care, and as a last resort, nursing homes. Long Term Care is not just skilled care, which most people associate with nursing homes. In fact, about 95% of all care is Custodial Care that you could receive in your home, with an aid coming to help with everyday things like cooking and cleaning, and helping with your Activities of Daily Living (ADL’s) which are eating, bathing, dressing, transferring, toileting, and continence (The Family Caregiver Alliance - November 2004, "The State of the States" for statistics from all 50 states on care giving). The high cost of receiving Long Term Care can erode your life savings. With the average stay in a nursing home at 2.9 years, it adds up to an average cost of $241,219 per person or $482,438 for a married couple ("Long-Term Care Insurance: Better Information Critical to Prospective Purchasers," U.S. General Accounting Office, Sept. 13, 2000). And that is figured at today's costs. Inflation has driven medical care costs up for years, and that trend will probably continue. Long Term Care Insurance can include inflation protection. 

In addition to traditional Long Term Care policies, there are products available that allows you to leverage a current asset (i.e., a CD, Savings, etc.) into a Long Term Care benefit. This can be a very viable option for someone who wants to self insure and does not want to pay rising premiums every year with no chance of a return on their premium if they never use their Long Term Care policy.

What if you could protect yourself from possibly the greatest financial risk you will face in your retirement years? With Long Term Care Insurance, most, if not all, costs can be covered, depending on the policy. Imagine how relaxed you would feel knowing that you planned ahead and are protected. Again, we are completely independent and represent virtually all the major carriers. This allows me to find the right policy and fit for you.

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