Long-Term Care Insurance Protection
FINANCIAL PROTECTION
Long-Term Care Insurance allows you to use your retirement portfolio for the purpose it was intended:
to pay for your lifestyle during retirement not to pay for long term care. Long-Term Care Insurance protects your entire "nest egg".
PORTFOLIO PROTECTION
Your portfolio is protected during working years by life and other forms of insurance...
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LONG-TERM CARE INSURANCE.
• Medicare only pays for skilled nursing care and hospital stays
• Medicaid is medical insurance for means-tested individuals with strict requirements on assets and income.
Medicaid only pays for nursing home care. Medicaid pays little or nothing for home care,
adult care or assisted living, therefore limiting your independence.
PHYSICAL/EMOTIONAL PROTECTION
Long-Term Care Insurance provides you with professional health and personal care should you be unable to care for yourself. When you have LTC insurance, you have given your family the ability to guarantee your care. LTC insurance preserves your dignity during periods of compromised health. LTC insurance prevents the need for your family to become dependent on your family for daily care.
*Custodial long-term care includes helping with Activities of Daily Living (ADL) - Bathing, eating, dressing, toileting, continence and transferring. It also includes help with cognitive impairments such as: dementia, loss of memory, orientation or reasoning.