We believe planning for long term care is an essential part of a retirement plan.
Whether needing recovery care after a surgery, extra help so you can stay in your home or residential care in an assisted living facility, it is easier to anticipate and make decisions while you are healthy and independent.
The costs of long term care can be significant during retirement and it is important to have a plan in place if this occurs.
As licensed insurance agents, we will assist you to select a long term care insurance policy that is best for you.
We can help you work through the financial scenarios and put a plan in place to position you to continue to live a happy fulfilling life into your later years.
Understanding Long-Term Care
Long-Term-Care Protection Strategies
A lot has happened over the past few years in the long-term care industry. The pandemic has added additional challenges to providing care for the elderly in nursing homes.
Some large insurance companies have stopped selling new long-term care policies and some have been issuing rate increases for existing policies. Even so, long-term care (LTC) policies can be a real financial lifeline to a family to afford the support they need as they age without the worry of burdening family.
If you already own long-term care (LTC) insurance or are thinking of buying it, our latest blog post will provide you with information about this important topic.
California Department of AgingThe Consumer's Guide to Long-Term Care
The Consumers Guide to Long-Term Care was developed by the California Department of Aging with the stated purpose to give information to people concerned about how to plan, provide, and pay for long-term care for themselves, a spouse, parent, or loved one. Their stated intention is to provide information to help you make decisions now and in the years to come that will allow you to retain more control of your life if you need long-term care.
We provide this document to everyone when we work with our clients on long term care planning.