Long Term Care (LTC)
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Long term care insurance aims to cover long-term services and supports, including personal and custodial care and non-skilled service or care in a range of settings such as your home, a community organization, or other facility. LTC insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to help them with activities of daily living.
It is likely that you have spent many years saving so that you can keep clam and enjoy retirement on your own terms. But have you considered what will happen to that plan if you become injured or sick during retirement? Without long term care insurance, you and your family have not anticipated common situations that retirees encounter.
Most retirees are likely to need some kind of nursing care or extended medical assistance during their retirement. The costs of that care, on average, can exceed $6,000 per month for a private room in a nursing care facility, according to a recent national study.
Can your retirement income and savings meet the demands of $72,000 each year for medical care? For most families, the answer is no.
Teamworks West Insurance Agency, Inc., can protect your retirement dreams with a long term care insurance policy. The LTC policy can be customized so that you can receive in-home care rather than a nursing care facility, if desired.
Here are two important reasons to get started now!
The earlier you take out a long term care policy, the less expensive the premiums will be. If you are in good health right now, it makes sense to get approved right away.
Teamworks West Insurance Agency, Inc., can provide you with a no-risk LTC quote right away, so that you can consider securing the retirement you want.