Long Term Care with Life Insurance
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What is Long Term Care (LTC) Insurance?
We all might need a little extra help some day as the result of an accident, illness, or aging. This help might be with simple things like bathing or dressing, but having support is critical in allowing us to remain at home and as independent as possible. While family can help, the burden can become overwhelming at times. Hiring professional caregivers or moving to an assisted living or memory care facility may be necessary. That is why Long Term Care insurance is so important to financial and retirement planning.
What is Permanent Life Insurance?
Many of us have Group Term Life Insurance and potentially some supplementary coverage through our employer. These policies protect us from an unexpected death during our working years but are generally cost prohibitive once we leave employment and are subject to individual rates. On the other hand, permanent Life Insurance provides permanent coverage that we take into retirement, at the same cost as when we were working.
We may not need as much life insurance in our golden years as we did during the working ones, but the combined protection of LTC and death benefits can help provide great peace of mind by protecting the life and legacy you worked so hard to build.
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National Data Shows:
Nearly 70% of people turning age 65 can expect to use some form of long term care during their lives, but only 1/3 of Americans have set aside money to protect themselves or loved ones should the need arise.
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See What Others Are Saying
At 27 I was getting married, well entrenched in my career path, and making all the adult decisions in life. One of those decisions was to purchase a Long-Term Care policy. I had no chronic conditions, no concerns about impending disease nor did I think I would need the policy until well into the future (like my 401k). At age 39 this dramatically changed. I couldn't write, my balance was off, and I was seeing double - this was diagnosed as Multiple Sclerosis. My early decision of preparing for the future meant I have total choice on how I receive care and it also means I do not burden those I love with care needs. If I had waited to purchase a policy until I was 40, I would have been uninsurable.
Laura S. OR
When we searched the market and checked prices in the individual LTC market, we didn’t think we would be able to afford this important financial product. But because my son's employer had group LTC we were able to get this important protection at way less than I expected! Peace of mind for our family at unbelievably affordable prices!
Roxanne
After my Mom took care of my Dad for several years, she went out and bought LTC insurance for herself. She even had the foresight to choose the inflation option. With that insurance, Mom was able to “keep her independence” (as she put it), by having 8 to 16 hour a day home health care for many years. Mom and we kids were ever so thankful that she had that insurance!
Pat