Long Term Care with Life Insurance

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What is Long Term Care (LTC) Insurance?

We all might need a little extra help some day as the result of an accident, illness, or aging. This help might be with simple things like bathing or dressing, but having support is critical in allowing us to remain at home and as independent as possible. While family can help, the burden can become overwhelming at times. Hiring professional caregivers or moving to an assisted living or memory care facility may be necessary. That is why Long Term Care insurance is so important to financial and retirement planning.

What is Permanent Life Insurance?

Many of us have Group Term Life Insurance and potentially some supplementary coverage through our employer. These policies protect us from an unexpected death during our working years but are generally cost prohibitive once we leave employment and are subject to individual rates. On the other hand, permanent Life Insurance provides permanent coverage that we take into retirement, at the same cost as when we were working.

We may not need as much life insurance in our golden years as we did during the working ones, but the combined protection of LTC and death benefits can help provide great peace of mind by protecting the life and legacy you worked so hard to build.

National Data Shows:

  • 62% of caregivers are between the ages of 25-54
  • 52% of caregivers are the adult children of the recipients
  • Caregivers provide care for 3-4 years
  • Recipients who suffer from Alzheimer’s disease or dementia may require care for 10+ years

Nearly 70% of people turning age 65 can expect to use some form of long term care during their lives, but only 1/3 of Americans have set aside money to protect themselves or loved ones should the need arise.

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