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In Good Hands
Contact Us Today for a Free Consultation about Long Term Care Plans

With life expectancies going up it’s crucial to be prepared for the cost of living longer. According to the Dept of Health and Human Services, 70% of people 65+ will need long term care. The median annual cost for a private nursing home is almost $100,000 a year, a 50% increase in the past 14 years. Even more daunting is the price of home health aide, which went up 6.2% in just 2 years to almost $50,000 a year.

What is Long Term Care Insurance?

Long term care helps cover the cost of care in event of illness, accident or the effects of aging. Traditional Medicare will only cover the cost of skilled care, which covers most medical, nursing and rehabilitative services. But more and more seniors require help will their daily activities, such as dressing, bathing or eating, which are considered custodial care, and not covered by Medicare. Long-term care insurance provides valuable support and financial resources, covering custodial care, including home health care workers, and if necessary, the cost of a facility, such as a nursing home or assisted living.

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