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    When should I start

    planning for the future?

    tomorrow is uncertain...but you can get ready today

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    How can I make sure my

    retirement is secure?

    LTCI gives peace of mind...you'll retire on your terms

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    Will my children be

    able to afford the care I need?

    let your loved ones supervise care...not provide it

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your resource for long term care planning


WELCOME TO LTC CONSUMER! YOUR LONG TERM CARE RESOURCE

You do a lot to plan for the future. You purchase health insurance in case you get sick, life insurance to help protect your family after you’re gone, and you may open an IRA and/or 401(k) account to prepare for retirement.

Did you know? As life expectancy continues to increase, so does the potential for needing long term care in the event of an extended illness or accident.

According to the US Department of Health and Human Services, 70% of people turning age 65 will need long term care at some point in their lives.

Does traditional health insurance pay for long term care? Unfortunately, not necessarily. Health insurance pays for medical expenses, doctors’ services and hospital stays. In most cases, it won’t cover the costs of a home health aide or assisted therapy.

What about Medicare or Medicaid? Although Medicare and Medicaid might cover some costs, these programs are not without restrictions and limitations.

Based on your personal experiences and family history forming a long term care plan — whether it be through private long term care insurance (LTCI), LTCI provided by an employer, or by setting aside assets to pay for future events — is something that could be a wise addition to your financial strategy.  Consider make it a priority to get educated and to explore your options.

By making a plan to prepare for the unexpected need for care, you can remain more independent.  You choose where you receive treatment and have confidence that your family’s financial wellbeing is being protected* against the high cost of a potential long term care event.

EVERYONE SHOULD CONSIDER A LONG TERM CARE STRATEGY

NOT EVERYONE will NEED LONG TERM CARE INSURANCE, BUT EVERYONE should understand the effect LONG TERM CARE could have on their family and their retirement strategy.

LTCconsumer.com is your “go to” long term care insurance resource for information on what some of your options are. We’ll help you by deconstructing the issues surrounding long term care insurance and educate you on your options.

Most families find a way to provide care for their loved ones. However, unless you’ve gone through it, you may not understand the physical, emotional, and financial tolls providing care can take. By gaining knowledge and developing a long term care strategy, it can help you avoid the emotional and financial stress of providing care in the future.

Need help? Breathe easy: we’re here to help you understand your options and create a strategy for your future. Use our free, no-obligation quoting tool for instant rates and speak with an LTCI Specialist today.

*Product guarantees are backed by the financial strength and claims-paying ability of the issuing insurer.