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Firsthand Experiences and Long-Term Care Insurance 

How often have you thought about a remote idea when you didn’t have any direct experience with it? We’re not talking about a technological innovation or hobby for which you have a passion and enjoy; we’re talking about services you may never think you’d ever rely upon.

Most people are not going to be thinking much about various services they don’t require for themselves. Even if there may be the prospect of depending on these services at some point in the future, if we can’t foresee ourselves specifically requiring them, we rarely contemplate them for too long, if at all.

Long-Term Care Insurance Quote San Diego CA - Firsthand Experiences and Long-Term Care Insurance 

Long-Term Care Insurance Quote San Diego CA – Firsthand Experiences and Long-Term Care Insurance

One of those topics may involve long-term care.

An adult in his or her 40’s or early 50’s may have recently supported an aging parent for months, possibly even years. That individual will have seen firsthand the challenges and struggles that parent faced on a consistent and regular basis.

It will likely have taken a toll on that family caregiver, leading to an increased level of stress and anxiety daily. He or she may begin thinking about, “What will happen if that situation becomes me?”

They think about their own children, their career, their families, their lives, and the last thing they want is to place that level of stress and pressure on them. But then, what other option is there?

They start to ask, “What would I do if I needed long-term care?” Inexorably, thoughts will often lead to the cost or price tag of those services. “How would I even pay for it?”

This is where long-term care insurance comes into play.

A person with firsthand experience supporting an aging or disabled adult for any length of time may fully appreciate the value long-term care offers. They may also better value the cost of long-term care, understanding how it can affect a person’s finances and completely deplete their life savings.

In reality, only a small percentage of Americans have that kind of firsthand experience that inspires some thinking about their future and the potential of requiring some type of long-term care for themselves.

If more people understood the value in long-term care, the cost associated with just about every type of long-term care, they would realize how quickly their retirement funds can be sapped by these expenses.

In order to better protect one’s finances and future, long-term care insurance is a valuable policy to consider and one would find it valuable to get a quote. Firsthand experience or not, the more people understand what long-term care insurance offers, the more likely they will make a wise financial decision earlier in life.

If you or a loved-one are considering a Long-Term Care Insurance Quote in San Marcos 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