Long-term care planning is one of the most difficult conversations many of our clients have. Why? Because the need is so great and many people choose to put their head in the sand and ignore it. Simple put, the need for long-term care without a sound plan for it is what drives many families into losing their hard earned assets that they have accumulated during their lifetime.
It doesn’t have to be this way!
Even though the long-term care industry is going through painful times, as evidenced by the number of companies that are exiting the marketplace; there are still viable alternatives out there. In addition to the standard long-term care insurance contract, there are options including short-term care policies, Chronic Illness Benefit Riders for life insurance and other asset based care products available. The long-term care partnership with Medicaid is also an important tool in this type of planning.
If you have at one time planned for this need – We commend you. But we request an opportunity to review your coverage since you might be paying for something that doesn’t protect you like you thought it would. If you haven’t started this process – Today is the day. The longer we wait, the more the cost and the fewer the options at your disposal.
Our professional agents are skilled in defining your long-term care needs and appropriate solutions for them. Let us help you solve this problem today.