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

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your resource for long term care planning


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

Did you know? Your financial goals are incomplete without a plan to cover the cost 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, it doesn’t. 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? Medicare and Medicaid might cover some costs, but they have severe restrictions and limitations.

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 an important responsibility.

By making a plan for your care now, you can remain independent, choose where you receive treatment, preserve your savings, and above all, protect your family from the emotional and financial strain of providing care.


Not everyone needs long term care insurance, but everyone needs a long term care plan.


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

Most families find a way to provide care for their loved ones. However, few understand the physical, emotional, and financial tolls of providing care. By gaining knowledge and developing a long term care plan, you and your family can avoid the emotional and financial stress of providing care.

Need help? Breathe easy: we’re here 24/7/365 to help you make sound decisions and plan for your future. Use our free quoting tool for instant rates and speak with an LTC Specialist today.