Long-term planning

With the rising cost of health care, the need to ensure that you can afford they type of care that you require. Long-term care insurance was specifically designed to protect you from the high cost of skilled nursing.

At the national average of $171 a day, just a two year stay at the average long-term care facility can drain the life savings of the average American. Most people feel that they will never have to face the dilemma of requiring skilled nursing. However, according to a 2004 Congressional Budget Office report, an estimated that almost one-third of those turning 65 in the year 2010 will have eventually have the need for long-term care for a minimum of 3 months, with almost one quarter of that same age group needing care for a period of a year or more.

The costs add up quickly, and without some type of long-term care insurance, you will end up paying for 100% of the cost out of your own pocket.

You worked hard to save for your golden years, and you don't deserve to see that hard work disappear when you could have taken the steps to avoid it. Call us today and get a free, no-obligation quote.