Long Term Care
Life Insurance protects your family from the consequences of an early death, but Long Term Care (LTC) Insurance protects you and your family from the consequences of a long life. Living a long life is a near certainty, and planning for it now is a necessity. Long Term Care Insurance does not replace the care and assistance that families provide. Rather, it builds on the existing support system, allowing care givers to provide better care for a longer period of time. Long Term Care Insurance allows the policy holder to choose where they access care and preserves the dignity of a long life.
LTC is care that is expected to be needed for at least 90 days and is custodial in nature. Today’s policies are comprehensive and provide services such as: in-home nursing assistants, homemaker services, registered nurses, physical therapists, speech therapists and occupational therapists. Care can be provided in the home as well as in adult care facilities, assisted living facilities and nursing homes.
Joe has earned the Certificate in Long Term Care designation (CLTC), and he would be happy to go over all of the details with you as well as provide quotes from a variety of companies. Call him today!