Why do you need Long Term Care Insurance?

• Forty-three percent of all individuals requiring help with the activities of daily living (ADLS) are between the ages of 18 - 64. For those individuals over 65; six out of ten will be unable to care for themselves.
• The average cost of long term care is $40,000 per year. In some parts of the country nursing home care can cost more than $90,000 a year, with home health care costing more than $60,000 a year.
• Medicare only pays for skilled care for up to 20 days. After 20 days, all costs are the client's. Medicare and Medicare supplements were never intended to pay for long term care. And, Medicaid only pays after a person's assets are depleted. By then it is too late.

Still not convinced? Check this out:

• Americans over age 65 will increase to 53 million by the year 2020, which will be more than 16% of the population.
• LTCI product offerings have advanced over the years providing clients with important choices such as the type of care they can receive, assisted living, facility or nursing home care, etc.
• Most people approaching 50 have not yet purchased long term care insurance. However, a large percentage of this group is becoming more aware of its importance. Don't hesitate to ask us about this important coverage.
• Medicare and Medicaid programs are becoming more restrictive and Congress is always introducing tax incentives for LTCI.

Call us today or contact us online to get a FREE quote on LTCI. Don't wait!