Long Term Care

We have 10,000 baby-boomers turning 65 everyday for the next 20 years.  The U.S. Department of Health and Human Services says that people who reach age 65 will likely have a 40% chance of entering a nursing home.  Long-term care, sometimes called personal assistance, includes services to assist with daily living for people with a chronic illness or disability. It could include help with activities like dressing, bathing, and using the bathroom.

Benefits of Purchasing Long-Term Care Insurance:

Our elected officials are concerned about how to pay for long-term care when people can no longer live at home. The SCAN Foundation and the UCLA Center for Health Policy Research released a poll showing half of California voters say they will need long-term care for a family member in the next few years, but can't afford to pay the cost.

If the need for long-term care arises and you don't have insurance, the associated costs may have to be paid out of personal savings or financed by loved ones. If you are unable to afford the cost of hiring care providers, family members may be required to assist you, which means they may have to take unpaid leave from work. By purchasing long-term care insurance, you help to ensure that any costs associated with your care are covered, thereby lessening the financial burden on yourself and your family.