Long Term Care Insurance doesn’t have to replace the care that the family may provide. But it can allow for a loved one to be cared for longer, better and with more dignity. The care can often be provided in their own home, and without depleting their retirement portfolio they may have spent their lifetime building.

The high cost of care could deplete savings and retirement funds. Family members may feel the need to provide care to keep costs down. With Long Term Care Insurance in place, you can help keep out-of-pocket expenses down.

Takes care of the caregiver.Much of the time, it is the wife or the daughter who is the primary caregiver in the household. The problem has been what providing that care may do to the caregiver(s) and the family’s best thought out retirement strategy. Long term care insurance can allow for the family to provide care better and longer by paying for the type of care they need.

Helps you to maintain your financial independence. Most couples want to receive care at home so that they can remain more independent. Our long term care insurance plans may give your clients the option to choose the location of their covered care.

Helps safeguard your savings and retirement. Long term care can be expensive. The current national cost of in-home assistance averages $25.32 per hour for Home Health Aides, or $52,665 per year for 40 hours a week of help.