As we age, there is more of a chance that we will need help with day-to-day activities such as even bathing, eating and dressing or nursing care or rehab training either in a nursing facility or at home. Such care can be very expensive.


With Baby Boomers reaching retirement age and Americans living longer than ever, Long Term Care (LTC) coverage should be a priority on the minds of those close to retiring and/or who will need to take care of loved ones if extended health care is needed.

Such Long Term Care Insurance can protect your retirement assets, allow you to maintain your independence and prevent you from becoming a burden on your family. A protection plan that does not address long term care is incomplete.

Long term care insurance creates financial certainty and enhances family stability by providing funds to protect retirement assets and reduce the physical and emotional strain of caregiving.

Long term care affects the family, not just the person who is receiving care.

Many people believe that Medicare, Medicaid or health insurance will cover Long Term Care costs. The reality is that individuals and families pay most of the costs for extended care because:

• Medicare will only cover a limited time period and only for those that meet the eligibility requirements.

• Medicaid is a welfare program, so most Americans are not eligible.

• Health insurance and medical supplemental plans usually do not pay benefits for nursing home care.