4 Keys Things to Know About Long-Term Care Insurance
If you are sitting down trying to figure out whether long-term care insurance is right for you and your family right now, that’s a good first step. People often view insurance as being something they don’t really need and an added expense. When you’re talking about the prospect of long-term care in the future, with the cost of home care, nursing homes, and assisted living continually increasing, it can be the one key that helps to protect your retirement, savings, and other investment.
Long-Term Care Insurance Quote Encinitas CA – 4 Keys Things to Know About Long-Term Care Insurance
Below are four incredibly important things to know about long-term care insurance and, when you gather more information about it, you begin to realize why this is a beneficial option, whether you’re in your 40s, 50s, 60s, or some other age.
Long-Term Care Insurance Key #1: It makes a difference.
While you may not think it could make a difference, if you undergo a serious health emergency, major surgery, or are injured in an accident, it may take several weeks or even months for you to get back on your feet. During that time, you may rely on family members and friends for help, but nothing is going to help you get back to as close to 100 percent as possible than experienced care providers.
Experienced home care support, visiting nurses, physical therapist, and other professionals improve the chances of recovery time and time again.
Long-Term Care Insurance Key #2: The cost of care continues to increase.
As we mentioned, the cost of long-term care continues to rise each and every year. It covers the entire gambit, from home care aides to visiting nurses and everyone who may be necessary in the event you are dealing with the after effects of a health emergency or injuries.
Long-Term Care Insurance Key #3: Certain health factors may limit eligibility.
If you have certain health issues in your past, you may not be eligible for coverage. The only way to find out for sure is to contact an experienced insurance representative or broker to discuss this topic in more detail.
Long-Term Care Insurance Key #4: You set long-term care insurance premiums.
There are plenty of options available, so if a particular quote is too much for you with regard to monthly dues and fees, you can set the premium that works best for you.
The more you know about long-term care insurance, along with the cost of long-term care, the more you realize this is something to seriously consider for you and others in your family.
If you or a loved-one are considering a Long-Term Care Insurance Quote in Encinitas 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
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