Long-Term Care Video
We invite you to click on the picture below for a brief and concise Long-Term Care overview:
Why Long-Term Care Insurance?
Preserve Choice & Maintain Independence
It is wise to plan now for your future long-term care medical needs. You may choose, as most people would, to stay in your home as long as physically possible in those years when you need assistance in your normal activities of daily living (bathing, cooking/eating, mobility, dressing, etc.). You may choose to enter an assisted living facility or you may have a physical care need demanding that you enter a nursing home. Would you like the choice of where you go or what type of facility assists you in caring for your needs? Choice is not available with most government-funded care options.
By having the options that come with a private long-term care insurance policy you can maintain your independence and stay in your home as long as possible as well as safeguard your ability to make choices.
Protect Your Assets & Desired Standard of Living
The message being sent by the federal government clearly indicates that Medicare is not to be used by middle or upper income Americans. Medicare requires that you spend down your assets to provide for your own long term health care BEFORE you can become eligible for benefits and then the government determines the amount and type of care you can receive.
You have worked too hard to earn all that you have obtained in life. Is it your desire that it be spent toward your long-term care medical expenses? A private long-term care insurance policy tailored to your choices is the only way you can be assured of protecting your assets and guaranteeing your future living standards.
Secure Life-Long Family Dynamics
If you have a spouse at the time a long-term care medical need arises, will your spouse be able to physically take care of you? Would you even want your spouse to carry that burden? How about your children or other close relationships? Would you have them change their lifestyles to help you in your time of long-term physical need?
One long-term care medical need in a family can completely alter the entire dynamics of a family. Utilizing long-term care insurance as part of your chosen plan can ensure that you protect your family’s relational climate.
Call us today at 504-218-5479 to get more information on Long-Term Care Insurance and see how we can help you customize a plan appropriate for your desires and your budget.
