LONG TERM CARE

Planning for Long Term Care is an integral part of retirement planning and requires thinking ahead in order to be prepared for the consequences of needing Long Term Care. Long Term Care goes beyond medical care and nursing care to include all the assistance you could need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time.

This type of insurance is generally available through group insurance policies, typically offered through an employer or as individual contracts.

You should consider this coverage if:

• You have a large amount of income or assets and feel you probably would not qualify for Medicaid.
• You don't want to rely on assistance from the state or other sources such as relatives.
• You can afford to pay the premiums. (Depending on your tax situation there may be tax benefits.)
• You currently have health problems or have a family history of a long term illness.

If you fit into any of the categories, it is important for you to find out more about long term care coverage. Your employer may offer long term care as a part of your benefits. If not, you can purchase an individual policy. Please contact us at 800-214-7039 today to obtain a quote for Long Term Care coverage or complete our online form.