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Long-Term Care Insurance

Living longer is good news, however it is critical to remember that a longer life may be coupled with longer years of illness and you need to be prepared for that possibility. Relying on your family members for your care may not be the most viable option. Younger individuals may also need Long-Term care, but older adults tend to need Long-Term care more often.

Long-Term Care insurance helps protect your assets by helping you with costs involved with a nursing home (for instance nursing home costs could cost upwards of $10,000 a month; an enormous expense), assisted living services, like meals and assistance with daily activities, or home healthcare needs, for example bathing, eating, or dressing.

Ordinary health insurance or Medicare doesn't usually cover Long-Term care expenses. Medicare also doesn't pay for custodial care and there may be certain requirements for skilled nursing care.

Long-Term care insurance is not for everyone and can be expensive. It may be better to think about Long-Term Care Insurance while you are young and healthy versus waiting until you are in your 60's or 70's with health problems.

Long-Term care insurance is sold by private insurance companies and can be obtained through Stone Insurance of Suffield, LLC. Call to set up a complimentary consultation.

Copyright 2009 Stone Insurance of Suffield, LLC

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