Making Long-Term Care Insurance Part of Your Future Plans Means a Solid Health Care Focus
Planning for the future often means thinking about one’s financial circumstances and situation. Many people focus on investing in their 401(k) and other retirement plans, but how many make long-term care insurance part of those future expectations?
Long-Term Care Insurance San Diago CA – Making Long-Term Care Insurance Part of Your Future Plans Means a Solid Health Care Focus
Not many people will actually consider that they might require some type of long-term care in the future. To a 40, 50, or even 60-year-old, even the prospect of long-term care is a distant idea, a concept they don’t want to think about and have difficulty grasping onto.
Those individuals who watch an aging parent or other loved one struggle with basic care or deal with the effects of a medical emergency may begin thinking about long-term care for themselves, but even then they rarely put a plan into place to protect their financial future and family.
February is Wise Health Care Consumer Month
That means it’s a good time to focus on proper health care and planning for the future. Having health insurance is a requirement in the United States, but that doesn’t mean everyone carries it. Some can’t or won’t afford it.
Long-term care insurance is not a requirement, and, in fact, most people aren’t even aware it exists. Yet, long-term care insurance has the ability to help people get proper long-term care and have a significant percentage of it paid for through the plan, rather than paying out-of-pocket.
How do we develop a good health care consumer plan?
We start by understanding the basic necessities most people will require as they get older. When people age, their health begins to decline. Their strength diminishes. It will become more difficult to perform some of the same basic tasks that used to be easy.
Most people will require some type of health care more frequently as they move through their 60’s and into their 70’s. If they have a medical emergency, accident, or other circumstance that requires an extended recovery or may debilitate them, making it difficult for them to perform Activities of Daily Living (ADLs), then long-term care might be necessary.
Long-term care insurance can provide financial support for a wide range of needs, including home care providers, nursing home care, and even assisted living. Even though a person may not be able to envision themselves requiring some type of long-term care, the possibility increases with age.
Developing a good, sound health care plan for the future should include the prospect of needing some type of long-term care.
If you or a loved-one are considering Long-Term Care Insurance in San Diego 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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