Long-term care insurance
Protecting your loved ones, your assets, and you.
Seven in 10 seniors will need long-term care. But that doesn’t mean you’re weak, getting old, or that you don’t “have it” anymore. What it does mean is that you need help. Whether it’s because of an illness, an accident, or the simple reality of aging, long-term care begins when you’re not able to do everyday things on your own—things like paying bills, taking your medication as prescribed, preparing meals, or even daily staples like hygiene and getting dressed.
The reality is that 69% of seniors will need long-term care at some point—but it doesn’t have to be a time of challenge and heartache for you and your loved ones. All you need is a plan.
So, do you have one?
Long-term care insurance protects your family, your assets, and you.
For 40 years, one of our specialties has been providing San Luis Obispo with long-term care insurance expertise and affordable plans. Our experience enables us to protect you, your portfolio and your assets, and your family in the likely even that you need long-term care at some point.
What does long-term care insurance do?
Long-term care helps pay for health care expenses and personal assistance that are often needed as you get older. A good policy can offer you control and can give you choices about what services you receive, as well as when and where you receive them.
Who needs long-term care insurance?
Most people who reach age 65 will need some level of long-term care in their lives. In addition, accidents and illness can strike anyone at any age and cause the need for long-term care.
What does long-term care insurance protect?
Here are some of the expenses covered by long-term care insurance:
- In-home assistance for daily activities
- Visiting nurses
- Community programs
- Adult day care
- Care in a nursing home
- Hospice care
- Assisted-living services in a residential setting away from your home
When should I get long-term care insurance?
According to the AARP, the best time to buy long-term care insurance is when you are healthy and in middle-age. It’s the time when you have the highest likelihood of being eligible for a policy and, just as important, when premium costs might be lower.
