Long Term Care Insurance

Dignity, Freedom, Choice, Independence, Control


What is Long Term Care?

Long term care is a range of services and support you may require to meet your personal care needs. Most long term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes referred to as Activities of Daily Living (ADLs). Some of these task are: Bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence and eating.

Top reasons clients investigate

  • Independence
  • Not to be a burden
  • Protect assets
  • Guarantee affordability of services
  • Peace of mind

Top reasons clients don’t

  • Too complex
  • Too confusing
  • Too expensive

How we help — This can be a complicated process to go through with many moving parts. We have helped many attorneys decide how to structure their long-term care plans. We place certainty where there is now uncertainty, and make the process easy to understand.

Modern science is keeping us alive longer than ever. Costs are increasing by nearly 5% annually. 10,000 Baby Boomers are turning 65 every day and with a limited number of facilities available, planning has become more critical than ever. The odds of a 65 year old married couple using a long-term care policy is now about 65%.

We insure our cars and homes which are low statistical claims. So why don’t we insure something so likely to occur and so potentially damaging to assets we have saved over our lives. Policies can be structured using several factors to create a plan built on both budget and need, but it’s critical to review options while we are young and healthy as underwriting continues to become more difficult.