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The Value of Long-Term Care Insurance

3 things you might not know about long-term care

As you plan ahead for your retirement years, you should be aware of the facts about long-term care:

  • The need is real - It's estimated that 70% of people over age 65 will require some period of ongoing assistance or supervision, due to physical or cognitive impairments*
  • The cost is high - The national average cost for one year in a nursing home exceeds $85,000
  • Alternate funding options are few - Medical and disability insurance do not cover long-term care and the coverage under Medicare and Medicaid is very limited

Fortunately, long-term care insurance is a sensible way to help protect you and your family from the high cost of long-term care. For more information, please contact us. or call our office 800-560-1988

*U.S. Department of Health and Human Services, National Clearinghouse for

Long-Term Care Information, accessed September 25, 2009.