Long Term Care & End of Life Expenses

Long-Term Care Insurance

One of the biggest misconceptions Medicare beneficiaries have is mistakenly thinking that Medicare will foot the bill for long-term care needs. Don’t make that mistake.

What is Long-Term Care Insurance?

As people age or become ill, they sometimes need help doing daily tasks like getting dressed, bathing and more. Unlike traditional health insurance, long-term care insurance is designed to cover long-term services like these in a variety of settings such as your home, a community organization, or another facility.

What does Long-Term Care Insurance cover?

Nursing home care
Assisted living facilities
Adult daycare services
In-home care
Home modification
Care coordination

On average, nursing facilities providing skilled care charge $150 to $300 per day—$80,000 per year or more. Custodial home care at three visits per week can cost more than $9,000 each year.

What if I can afford Long-term Care?

Consider Getting a Home Care Plan

Home Care Plans are the most viable alternative to traditional Long Term Care Insurance. When Assistance becomes essentials in the event of a sudden injury or illness, these membership plans quickly coordinate and arrange care for seniors in the privacy and comfort of their own home. Every day can bring an unexpected challenge into a senior’s life. The good sense of having a Home Care Plan in place will give members and their families the peace of mind, security and independence in being prepared as the move forward together.

Home Care Plans are Services Contracts, NOT Insurance.

What are the features of a Home Care Plan?

Home Care Plans Feature:

- Field Issue Contract
- No Medical Underwriting
- No Elimination Period
- No Age Limits
- Available Nation Wide
- Discount Reward For Non-Use
  Our plans can arrange for care 24 Hours a Day / 7 Days a Week in the comfort of your home.

What about Medicare or Medicaid?

Medicare will cover a portion of at-home care and a short time in a nursing home. But there are very specific situations you have to meet to qualify for the Medicare coverage. In the vast majority of cases, you’ll be responsible for paying for these charges out-of-pocket. While Medicaid will currently cover long-term care expenses, many doctors are reducing the number of Medicaid patients they accept, making access to healthcare more difficult for Medicaid recipients than those with private insurance.

Purchasing long-term care insurance will give you peace of mind. You’ll know that if you become ill, you can afford the care you need. Plus, your kids won’t be burdened with huge payments for your care. Long-term care insurance plans will pay for your care, even if you are diagnosed with a chronic health condition or disability. This could be care in a nursing home, an assisted living facility, or in your home.

As your adviser, we can help you develop an affordable plan that works for your unique situation. Let’s spend 30 minutes discussing a plan for your care. No pressure – just an honest conversation.