Long Term Care

Long term care represents the largest out-of-pocket medical expense faced by older Americans. Almost 50% of those ages 65 and older will need long term care at some point in time.

Long-term care is not just for the elderly; In fact, the US Government Accountability Office estimates that 40% of the 13 million Americans receiving long-term care are working-age adults (18-64).

Most people believe that health insurance and/or disability insurance will cover this kind of care; therefore most people are completely unprepared when a long-term care situation arises. In truth, health and disability cover short-term skilled care and income replacement, not custodial care.

The cost of having a nurse come to your home, or staying in an assisted living facility or nursing home quickly becomes crippling. According to recent statistics, 72% of people requiring long-term care are impoverished within one year.

We can offer you a comprehensive briefing on your long-term care alternatives and the costs. We can also provide you access to screened selection of quality long-term care insurance companies and find coverage that can protect you and your family, through an employer worksite program or individually.