Long-Term Care goes beyond medical care and nursing care.  It includes coverage for many different types of assitance that you may need in the event of a disablity injury or illness that prevents you from caring for yourself.

Long-term illnesses or disabling injuries can happen to anyone, at anytime and at any age.  Still, the longer you live, the greater the chance is that you will need long-term care.  About 19 % of Americans age 65 and older experience some degree of chronic impairment.  In the year 2020, approximately 12 million Americans are expected to need long-term care. And because women generally outlive men by several years, they face a 50% greater likelihood than men of entering a nursing home after age 65.

Many people think that Medicare, Medicaid, group and individual medical insurance or disablility insurance will fund their long-term care needs.  However, Medicare and Medicaid only provide limited coverage for long-term care benefits and Medicaid is only available to those who meet certain income and resource requirements (usually when their savings are depleted).  As for employer-sponsored or individual medical plans, they provide only very limited coverage for long-term care services.

I know you have many unanswered questions concerning long-term care insurance.  Please call us and make an appointment so we can sit down and discuss them face to face.