Long-term care Insurance is the help you may need if you are no longer able to care for yourself. You may want to consider long-term care to protect your assets for your spouse, heirs or charity. Buying long-term care will give you more control and independence which in itself provides you peace of mind.
You can also choose to partially self-insure by buying a policy that combines life insurance and long-term care rider.
Long-term care can cost more than $200/day. LTC now applies to services that can be provided in a variety of settings, home health care (skilled care with help of visiting nurses or therapists), respite care, hospice care, adult day care, nursing home care and assisted living facility care.
Let us help you decide if Long-term care is right for you.