Long Term Care Insurance
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Why should I consider buying Long Term Care Insurance?
Long Term Care is not just for the elderly. Forty per cent of the people who need long term care are between the ages of 18 and 64. The need for long-term care can be experienced at any age. Anyone can be incapacitated by a car accident, stroke, heart disease, or chronic illness.
Long term care insurance can help guard your independence, and personal and financial security by providing benefits that pay for a variety of long term care services. At the time we require care, our spouse or other family member may not be able to give us the help we need.
A Brookins Institute Study concluded that out of those who were 65 or older, one in ten were confined to a nursing home. Of those who were 85 years or older, one in three lived in a nursing home. Fifty-five per cent of those entering a nursing home usually stay at least one year. The cost for a nursing home stay is typically over $50,000 per year.
Call us now for a quote. If you wait until you are over age 60, the cost will be higher and depending on your health, coverage may not be available. In order to obtain a quote, we will need some basic information along with a brief medical history. Please email or call us so we can get this started.
Phone: (607) 756-7531
Fax: (607) 753-3050