Long Term Care
The subject of long-term care is a touchy one for most people. But if you’ve ever helped care for an aging family member, you understand how greatly this can affect your life.
Today, you have more options for planning long-term care – for yourself and for your parents – than you will ever have again. The longer you wait, however, the greater the potential impact will be on your family and your hard-earned assets.
Are you prepared for the future?
If you’re like most people, you are not prepared for what the future and aging may bring for yourself and for your aging parents.
In fact, recent research proves that few married couple have ever even discussed their future plans, should one or both require extended care services.
Today, long-term care includes a variety of services that range from home health services to assisted living, and everything in between. In fact, most long-term care is non-medical in nature. Instead, it involves whatever level of assistance may be necessary to help you with the daily tasks of living, involving both your health and personal care.
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When the time comes that you or your spouse can no longer perform some of your everyday activities on your own, long-term care will allow you to continue living safely and independently.
In some cases, care is needed only for a short time, as you recover from an illness or injury. In many other cases, care is required for as long as you live at home or in an assisted living facility.
The importance of these services is the preservation of your independence, the independence of your loved ones, and the protection of financial assets.
Isn’t it time to consider how to protect your future well-being and your hard-earned assets?
Long-Term Care Insurance Preserves Your Assets for the Future
For most folks, care services are provided in their own home for as long as possible. When they can no longer live safely at home, however, residential care is the next logical option.
As you might imagine, in-home skilled care comes with a high price. Residential care is even more costly. Those costs can easily reach $7,500 per month or more today. The future cost of care is expected to be exponentially higher.
You have worked your entire life to accumulate your assets, and those are you legacy. And although you may hope to depend on family, friends, your church or Medicare to help with your late-life care, none of these provide the absolute peace of mind that comes with providing for your own future well-being.
The Time for Planning Your Future Care is Now
You will never be better prepared for planning the future than you are today.
Whatever you age, however healthy you may be, it’s time to confront the future head-on. A well-considered plan for your future and that of your loved ones will ensure the emotional, physical and financial well-being of the entire family.
Whether you are planning for your own future or that of your parents or children, long-term care insurance is the answer to your questions. The peace of mind that comes from knowing you will be cared for – and your assets preserved – is exceeded only by the knowledge that you won’t place an undue burden on those who mean the most to you.
Stellar Insurance Services is dedicated to providing that peace of mind. As an independent insurance agency, we are proud to serve the needs of individuals, families and businesses.
Contact us today and let us help you begin the process of planning for you future long-term care needs.
For more information and planning tools for long-term care, visit Stellar Insurance Long Term Care.