Long Term Care Insurance

It is human nature to think that chronic illness, memory loss and disability may happen to someone else, but not to me! We would prefer not to think about aging related problems and are reluctant to plan ahead for future long term care needs.

The reality is that most of us will need some help as we age. With modern medical advances, we are living longer than our parents. The longer we live, the greater the likelihood of needing some kind of long term care. The odds are that more than half of all people will need some type of long term care.

Providing appropriate long term care, whether in your own home, an assisted living facility or nursing home, can be very expensive. One way to deal with the high cost of long term care is through insurance.

Is Long Term Care Insurance right for you?

I Don't want to be in a Nursing Home!
For most of us, a nursing home is the last place we would like to receive care. The good news is that there are many new services designed to help people stay independent. It is often possible to stay at home with services or live in a gracious assisted living facility, rather than prematurely go to a nursing home.

My children promise they will take care of me...
Lets look at the reality of this promise. Are you prepared for your children to quit their jobs to take care of you? Will you be comfortable with your son or daughter helping you toilet or bathe? Can you be sure that your children will live in close proximity to you when you retire?

The reality is that adult children are usually able to help out for a short time during a crisis but are unable to cope with long term care giving for a parent.

I want to protect my assets...
You are working hard to accumulate retirement assets. You have taken the necessary steps to insure your life, health, car, home and business. You realize that Medicare pays very little for long term care and Medicaid only pays when you are impoverished.

Isn't it time to learn about options to protect your assets and ensure that you remain independent and not have to rely on family for care?

How can long term insurance help?
Long term care insurance allows you to finance necessary services without exhausting your savings. It gives you control and independence in selecting the level of care you want and need, be it in-home services, assisted living or nursing home care.

I want to learn more...
Marsha can help you understand available long term care insurance products and become an informed consumer. As a Licensed Agent, Marsha specializes in long term care insurance and represents the top rated insurance companies in New York State. As a Geriatric Social Worker, Marsha can help you understand the long term care system, the eligibility requirements, costs and types of services available.

Rely on Marsha to use all of her knowledge and experience with the long term care system to ensure that you select the policy that best meets your needs.