Life Happens, and Long-Term Care May Be Necessary
Long-Term Care Insurance Carlsbad CA
Life happens. That’s a statement that really doesn’t mean much, but a lot of people rely on it to explain the inevitable accidents and other mishaps that occur in everyday life.
How does life happen?
It could be a car accident, slip and fall, or a disease that suddenly strikes home. What’s going to happen to you or a family member if ‘life happens’ to them? What’s going to happen if it occurs at the most inopportune time?
That individual may require long-term care. For example, if the person suffers a stroke that leads to serious disabilities, they will require assistance doing most basic tasks, including getting out of bed, taking a shower, getting dressed, and going anywhere. A spouse, adult children, and other family members may be more than willing to help out, at least in the beginning, but because ‘life happens,’ they will begin falling back into their normal routine.
That means there will be less time to devote to those who need support and assistance. Eventually, without proper care, safety and other aspects of life can be compromised. That’s why long-term care may very well be needed.
The cost of care continues to increase and, with new rules and regulations for minimum wage and overtime pay protections set forth by the Department of Labor, along with increased minimum wage fights across the country, the cost of long-term care is likely to continue increasing in the years ahead. As a result, how can you protect yourself financially from the prospect of requiring some type of long-term care, either for yourself or somebody you care about?
You should consider long-term care insurance.
Long-term care insurance is similar to many other types of insurance, including life insurance. You may never require long-term care, but having a decent insurance policy in place will provide you peace of mind and financial protection in the event that it’s required.
No one wants to think about bad things happening to themselves or their loved ones. However, being responsible means making plans for the future. It’s one of the main reasons why so many people build up a retirement portfolio and invest considerably in it. They want to be comfortable once they retire.
How is that going to work if you end up having to spend $30,000, $50,000, or even $90,000 a year on long-term care for somebody you love? It won’t.
That’s why long-term care insurance is so crucial to consider.
If you or a loved-one are considering a Long-Term Care Insurance 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.
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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