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WHAT IS LONG-TERM CARE INSURANCE?

Long-term Care Insurance helps provide for the costs of long-term care that are usually not covered by health insurance, Medicare, and Medicaid. These costs can easily deplete your lifetime savings and assets if not prepared; More than half of people turning 65 will need long-term care at some point in their lives.

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WHY LONG-TERM CARE INSURANCE?

Without a plan for long-term care early on, you risk losing everything that you have saved up for retirement. With LTCi coverage, you are able to protect your finances and lock down a plan that builds up over time to protect you from the rising costs that are associated with long-term care.

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COSTS OF LONG-TERM CARE

Long-Term Care costs approximately $70,000 a year, and it is expected to continue to increase by 3-5% each year. Long-Term Care Insurance lowers the cost of long-term care and is very beneficial when the need for long-term care arises.

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“About 70 percent of people over age 65 require some type of long-term care services during their lifetime. Since there is a good chance that you might need long-term care services at some point, it is important to explore your options and plan ahead.”
U.S. Department of Health and Human Services