Long Term Care

Do you need Long Term Care Insurance?

Long Term Care Insurance is often overlooked by people planning their future retirement needs.

However, a study by the U.S. Department of Health and Human Services says that people who reach age 65 will likely have a 40 percent chance of entering a nursing home. And about 10 percent of the people who enter a nursing home will stay there five years or more.

Because you must be in good health to qualify for a Long Term care policy, it's never to early to think about planning in this area. Please contact us for more information. We would be happy to answer questions you might have.

Medicare and Long-Term Care:

Generally, Medicare doesn’t pay for long-term care. Medicare pays only for medically necessary skilled nursing facility or home health care.

Medicaid and Long-Term Care:

Medicaid is a State and Federal Government program that pays for certain health services and nursing home care for older people with low incomes and limited assets. In most states, Medicaid also pays for some long-term care services at home and in the community. Most often, eligibility is based on your income and personal resources.

Source: medicare.gov

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