Long Term Care

According to the U.S. Department of Health and Human Services (HHS), at least 70% of people over age 65 will require some long term care services at some point in their lives. A long-term care insurance policy helps pay for the care you need when you can no longer care for yourself.

What is Long Term Care?

Long-term care needs typically arise as part of the normal aging process, but can also be due to an injury or illness, such as multiple sclerosis, stroke, rheumatoid arthritis, or due to a cognitive impairment, such as Alzheimer's disease. Long-term care helps to pay for assistance you may need to perform activities of daily living such as eating, bathing, continence, dressing, toileting and transferring.

The cost of long term care can be extremely expensive. Just ask anyone who doesn't have or who has cared for someone without a policy! Just one hour of home health aide care costs roughly $20-$25, while private nursing home care can average close to $90,000 a year. Few people realize that neither routine employer-based medical insurance nor Medicare will pay for these kinds of extended periods of custodial care, leaving you unprotected.

Why Buy Long Term Care?

A long-term care policy can help protect your family's financial future and your own investments and savings by:

Minimizing your financial exposure and help protect your assets 

Reducing the financial and emotional burden on loved ones 

Enhancing your choices and independence to receive care in the setting YOU prefer

Contact Joelle Group TODAY to discuss how a long-term care policy can help protect you and your family!