Am I Really Safe?

The Basics:

Why Long Term Care Insurance is Financially Nesessary

        Long Term Care insurance (LTCi) provides money for ongoing personal care in your own home, an assisted living apartment, or in a nursing home.  But, this important and frequently necessary type of care is not covered by Medicare, Major-Medical, Medicare Supplemental insurance, HMO'S, or hospital plans.  Such plans only cover "medically necessary Skilled Level care" for a short time at a nursing home or convalescent center.  They generally do not provide for personal care, such as help with eating, dressing, bathing, toileting, transferring, (known as Activities of Daily Living, "ADL's") in your own home, and they don't cover care at Assisted Living Apartments--only short term care in a nursing facility. 

       Long term care is the big gap that you have to cover out of pocket, and the cost of care runs about $70, 000. to over $100,000. yearly, with inflation raising the costs about 5% annually.

       That's why each year over a million American families lose their savings, their equity, and their financial assets to the cost of Long Term Care for themselves or a loved one.

        Over 7 million Americans have purchased Long Term Care Insurance to protect themselves, and their heirs, from the devastating cost of convalescent and chronic personal care!