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How Much of a Risk Is It to Avoid Thinking About Long-Term Care?

You’re not a risk taker. You’re not somebody who has thrown caution to the wind very often, especially as you matured in adulthood. You might be in your 40s, 50s, or 60s, and you’ve been working with consultants on building a solid retirement portfolio, but have you ever considered long-term care insurance?

Long-Term Care Insurance Premiums Carlsbad CA - How Much of a Risk Is It to Avoid Thinking About Long-Term Care?

Long-Term Care Insurance Premiums Carlsbad CA – How Much of a Risk Is It to Avoid Thinking About Long-Term Care?

This might not be something you think about often.

Most people don’t think about their mortality and even less time thinking about what could possibly happen that forces them to rely on support for an extended period of time. For example, you don’t assume you’re going to be involved in a car accident in the next couple of years, do you?

However, if you look at the statistics, the more time you spend behind the wheel, the greater your chances are of being involved in an automobile accident. If you sustain injuries as a result of that accident, you could be laid up for weeks or even months for recovery.

You’re not going to be spending all of that time in the hospital.

If you’re in a coma for several weeks, it will certainly be in the hospital, but more often than not when you are conscious you will ultimately be discharged and either sent to a nursing home if you require extensive medical care and attention, or sent home. If you are sent home, who is going to support you? Maybe your spouse works a full-time job, too, and wouldn’t be able to take time off for several weeks or months to care for you.

How much will that cost you?

It could cost anywhere between tens of thousands of dollars or hundreds of thousands of dollars if you require long-term care for several years.

So let’s ask the question again: how much of a risk is it to avoid thinking about long-term care?

When you’re planning for your retirement, making sound financial decisions, it’s a good idea to calculate in the potential cost of long-term care and premiums for long-term care insurance. When you see how much you could lose from retirement, potentially even wiping out your retirement fund completely, hopefully it makes sense to consider long term care insurance to protect you, your family, and your assets for the future.

If you don’t consider the prospect of ever requiring long-term care, you could potentially be playing roulette with your family, your finances, and your future. There’s no point in doing that when you realize just how affordable long-term care insurance premiums can be.

If you or a loved-one are considering Long-Term Care Insurance Premiums in Carlsbad 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