Can you predict the future? If you’re honest, the answer is no. No one can accurately predict what’s going to happen tomorrow, let alone 10 years from now. Just about anything can go wrong between now and a decade into the future. You may not think much about it, but if you require any type of long-term care in the future, it could financially devastate you and your entire family.
March is Brain Injury Awareness Month and even though you may not know anyone with a serious brain injury, it can and does happen every single day. In fact, some brain injuries are the result of seemingly innocuous incidences, even as little as a bump on the head.
Do you want to live in fear?
Of course not. Most people aren’t going to be subjected to this idea of isolating themselves and trying to avoid all potential risk. Every day, no matter where you live, how far you travel, or even if you don’t leave your house there are risks.
A person trying to slip out of bed to use the bathroom in the middle of the night could lose their balance. What if they fall the wrong way? What if they hit their head on the side of the night stand? That could result in a traumatic brain injury.
It could also result in a broken collarbone, dislocated shoulder, and other serious injuries that may be enduring or life altering.
Still, the older a person is when these accidents occur, the more significant the injuries might be. They could take months, if not longer, to recover from them, if recovery is possible at all.
Protecting oneself against the prospect of long-term care costs is being diligent.
It’s not being irresponsible to consider long-term care insurance. In fact, it’s just the opposite. If a person does not consider long-term care insurance because they don’t think anything bad is ever going to happen to them that would require long-term care, that’s a bit shortsighted.
They aren’t being honest about the risk factors surrounding them daily. If that’s the case, they’re putting themselves and possibly their family at unnecessary risk.
Even if a person won’t require more than a few months of long-term care, this would usually fall outside health insurance or even Medicare and Medicaid reimbursements. $10,000, $50,000, or even $100,000 can potentially impact entire families in ways they never anticipated.
March is Brain Injury Awareness Month and many people who suffer from some type of injury to the head were healthy, vibrant individuals who never saw it coming. Protecting one’s future is important. Investing in retirement is essential. It’s simply another tool to help protect families and finances.
If you or a loved-one are considering the Long-Term Care Insurance in Oceanside CA, please contact Steve Elliott at Capstone Insurance for an honest discussion about your future and your options. Call today (858) 350-3161.
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