Location Matters When It Comes to Long-Term Care (and Insurance)
Long-Term Care Insurance Companies Carlsbad CA
If you’re looking into the prospect of long-term care insurance, it’s a great idea. After all, most people rarely ever think about the possibility they may need some type of long-term care. We have a tendency to avoid these topics because they’re things we don’t want to consider.
Yet, as the cost of long-term care continues to increase, insurance becomes more important than ever. There is a good reason why so many people carry life insurance policies today. Every single one of us is mortal. We will face the end of our life at some point in time. When we want to make sure our family is taken care of, when we want to ensure that they have everything they need to get on with life after we’re gone, life insurance can help with that.
We don’t know what tomorrow brings.
What will tomorrow bring for you? You may have a general routine in place, but no one knows if they’ll be involved in an accident tomorrow. You don’t plan on it, but it is certainly possible. In fact, every time you step outside you’re exposed to some type of risk. You don’t even have to step outside to be exposed to serious risk of injury or worse.
What could happen, this winter, if you were running late for work, stepped out your front door to go to the car, and slipped right there at the top of your steps? You could fall and it may not seem like a big deal at first, but maybe the fall causes a broken hip, leg, or other serious injuries.
You could suddenly be facing many weeks or months in recovery. Could you afford to hire home care support? Could you afford any other type of long-term care options, even the prospect of a nursing home for a couple of weeks?
What does your health insurance cover?
These are questions few people are equipped to answer for themselves. They’re questions that highlight the importance of considering long-term care insurance.
Now, when it comes to location, it does matter.
Where you live in the country can affect the cost of long-term care. You might assume you live in a part of the country where long-term care wouldn’t break the bank for you. Or, you could be in an expensive part of the country.
Take a look at the various costs of long-term care, including home care, nursing homes, and assisted living. How does it compare to the national average? Would you be able to afford any of them on your own as it is right now?
If you couldn’t, seriously consider long-term care insurance.
If you or a loved-one are considering Long-Term Care Insurance Companies 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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