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Long-Term Care Insurance Is a Wise Decision If You Care About Your Family and Future

Every day people are faced with important decisions to make. Some decisions are easy while others a bit more complicated. For those who have families, children, a spouse, other dependents, or even who live alone and are planning for retirement, there’s a decision they should be contemplating when they’re moving through their 40’s and heading into their 50’s.  That decision involves long-term care insurance.

Long-Term Care Insurance Carmel Valley CA - Long-Term Care Insurance Is a Wise Decision If You Care About Your Family and Future

Long-Term Care Insurance Carmel Valley CA – Long-Term Care Insurance Is a Wise Decision If You Care About Your Family and Future

What is long-term care insurance?

This is a policy that can help protect financial investments, savings, and entire families in the event a listed member on that policy requires some type of long-term care. For example, an individual may become involved in a traffic accident one day while heading to work.

They woke up in the morning and everything was fine. They felt great, healthy, fit, and maybe even the most ironic thing of all was they just got a clean bill of health from their doctor. “You have the body of a 30-year-old,” their doctor may have told them when they turned 50.

They grabbed breakfast, kissed their spouse and family goodbye, and headed out to the car just like any other day. Before they finished the commute to work something went wrong. Suddenly they find themselves in the hospital, possibly days or weeks after being admitted, having just woken up from a coma.

Soon their insurance stops covering their medical expenses and they will be forced to a nursing home. According to their doctor, recovery might take months, possibly even more than a year. During that time they will require a great deal of effort, support, and direct nursing care.

Who’s going to pay for that?

Without a proper plan in place like a long-term care insurance policy, that family is going to pay for all of that ‘out-of-pocket’. If they can’t afford it, that individual may be left alone to try and recover over those many months without any support aside from their spouse or friends and immediate family.

It’s not just accidents, but just about any medical emergency that could land somebody in the hospital or even circumstances that might require them to need help for an indefinite or extended length of time people need to think about.

MS, Parkinson’s, Alzheimer’s, heart disease, kidney failure, stroke, aneurysms, and so on. The list is long and just because an individual is healthy now doesn’t mean they won’t face a difficult circumstance in the road ahead.

If you or a loved-one are considering Long-Term Care Insurance in Carmel Valley CA, please contact Steve Elliott at Capstone Insurance for an honest discussion about your future and your options. Call today (858) 350-3161.

Steve Elliott

Long-Term Care Insurance Specialist at LTC Capstone Insurance
Steve Elliott with Capstone Financial Assurance is a Long Term Care Insurance Specialist

I work with all the major insurance companies and my objective is to help my clients determine if long term care protection makes sense for them and if so, to help them shop the market to find the best company at the best rate

I specialize in Traditional Long Term Care Insurance as well as Hybrid Long Term Care Plans which are either a combination of Life Insurance and Long Term Care or an Annuity Plan with Long Term Care

I’ve been specializing exclusively in Long-Term Care Insurance Planning for over 21 years.

Steve was recognized as a 2003 Long Term Care Expert of the Year at The National Long Term Care Producers Summit

2006 was awarded Senior Market Advisor of the Year Finalist by Senior Market Advisor Magazine

National Speaker for Numerous Industry Meetings

Awarded Nations Top 10 Agent 8 times by the American Association of Long Term Care Insurance

Author of numerous published articles on long term care planning