Long Term Care Insurance Protects Your Future
As we face the challenges of aging, many of us begin needing help with daily activities we’ve performed all our lives. Simple tasks like eating, dressing, bathing and simply getting around can become much more difficult and steal our joy for living.
That’s the importance of having the right insurance. If you or a loved one winds up needing care in your old age, there will be no need to hire costly professional help or rely on family and friends for your every need. Instead, with a long term care insurance policy in place, you’ll have the funds you need to pay for at-home nursing care, adult day care, residential care or one of hundreds of other types of senior aid.
Save yourself and your family the hardship and embarrassment that can come with growing old. Research your options for elder care now, know what you could be up against later in life, and examine your options today.
The Benefits of Getting Insured Now
Statistics show that at least 70 percent of people over age 65 will require some long term care services at some point in their lives. And, contrary to what many believe, Medicare and private health insurance programs won’t pay for the majority of services most people need.
Securing your future with LTC insurance guarantees you’ll have the care you need when you need it most—with the dignity you deserve.
But the benefits insurance provides aren’t just physical or financial; they’re also psychological. Not being able to do for yourself is difficult enough; but being dependent on loved ones compounds the problem. In addition, family members may find themselves wondering how to take care of you over the long haul, especially when it becomes necessary for many months or years.
Instead of worrying what the future will bring, take control of your future now, before you actually need additional services. You’ll contain costs, make the future brighter and smooth the transition into your golden years.
The cost of long term care insurance depends on three variables:
- Where you live
- The price of services in your area
- How long you need care
Though rates vary, affordable prices are available all over the country through insurance companies that specialize in insurance for the aged. In fact, many specialty insurers like AARP offer policies with terms that fit most any budget.
Money-Saving Tip: The best way to curb costs overall is to buy while you’re young. So don’t let the rising cost of medical care impact your life in your later years. Request your free insurance quotes, find an affordable plan now, and get prepared for a long and healthy future.
And for any lingering long-term care questions, browse the selection of articles in our resource center.