Long-Term Care

Cost of Care

Long-term care insurance helps cover the costly services needed for daily living, such as:

• Nursing home care

• Assisted living facilities

• In-home care

• Adult day care

These services can be expensive, with costs ranging from $2,000 to $10,000 per month. Long-term care insurance can help mitigate these costs.

Preservation of Assets

Long-term care insurance protects your assets from being depleted by care costs. Without insurance, you might need to use your savings, retirement accounts, or even sell your home to pay for care. Long-term care insurance helps preserve your assets, ensuring you can maintain your lifestyle and leave a legacy for your loved ones.

Reduced Burden

Long-term care insurance relieves family members from caregiving responsibilities, which can be emotionally and physically demanding. By having insurance, you can ensure that your loved ones can focus on supporting you emotionally, rather than shouldering the burden of caregiving.

Increased Options

Long-term care insurance provides more choices for care and living arrangements. With insurance, you can choose from a range of care options, including:

• Home care

• Adult day care

• Assisted living facilities

• Nursing homes

This flexibility allows you to select the care that best fits your needs and preferences.