LONG TERM CARE
The satisfaction of preserving your legacy
A tsunami is about to hit. Every day until 2030, Baby Boomers will turn 65 and SEVEN OUT OF TEN will require long term care.
If you can spare $63,000 a year per person or $189,000 for 3 years to cover home health care, assisted living facility or a nursing home cost, please stop reading. Otherwise, join us in putting together a Long-Term Care insurance plan that will protect your legacy and will enable you to have the level of care that you deserve in the comfort of a safe environment with the support of professionals.
What is Long Term Care?
Long term care is the type of care that you may need if you can no longer perform independently two of the activities of daily living (ADL’s) which are eating, bathing, getting dressed, toileting, transferring, and continence. Once a diagnosed by a Medical professional, then the benefits of long-term care insurance will start. Unfortunately, Medicare, a Medicare supplement and regular health insurance won’t pay for long term care. Most people don’t learn about long term care until their parent’s or someone they love need it. Let us help you understand the importance of protecting yourself against this growing risk.
Would I Need Long Term Care?
Typically, chronic medical conditions that can lead to extended care needs can be conditions like asthma, diabetes, emphysema, chronic bronchitis, congestive heart failure, cirrhosis of the liver, hypertension, dementia, Alzheimer’s and depression. It is estimated that by 2030 half of the population of the USA will have ono or more of these chronic conditions. Sometimes an accident or even the aging process can expose anyone to need this type of care.
Here is one fact, cognitive illnesses, such as dementia and Alzheimer’s disease are a growing concern for society. Currently, 5.8 million Americans have Alzheimer’s and that number continues to grow steadily and by 2050, this number is projected to increase to almost 14 million. The average life expectancy after Alzheimer’s disease diagnosis is 8-10 years, much of which may require some form of long-term care.
Different Types of Long Term Care
Home Health Care
Most people want this type of care so, they can stay in their own home but this is not always the right type of care, depending on each case.
Adult Day Care
Residential facility including personal care and health care services. No need for around the clock supervision and care
Assisted Living Facility
Most people want this type of care so, they can stay in their own home but this is not always the right type of care, depending on each case.
Nursing Home
Residential facilities with around the clock supervision and care Including personal care, lodging, help administering medication, therapy, rehabilitation and pretty much 24 hours a day help. This is a higher level of care for when you need day to day Assistance.
Do you have a plan?
Before the expected costs associated with long term care jeopardize your finances, legacy and level of care you deserve, allow us to customize a plan that will protect you. Our team have a wealth of experience and can answer any questions.
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