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Long Term Care Insurance Gives You and Your Loved One’s Peace of Mind

It’s no surprise that people are living longer today—some even into the 100s. People in their 60s, 70s, 80s, and 90s are taking much better care of themselves in large part due to better health care, more exercise options, and healthier nutritional choices. But no matter how healthy we are, as we age, we may start to feel some aches and pains. Sometimes, we are not as strong as we once were and arthritis or other health issues have begun to set in leading us to need help with our daily care. So, what are your options if you or your spouse can’t manage on your own any longer? Many seniors today prefer to stay in their homes for as long as possible. If you prefer to stay in your home, it’s quite possible that you’ll need to use your savings to afford in-home health care, or you might enlist a family member to help you out for a short while.  In-home care, assisted living or private nursing homes are not an affordable option for some and generally are not covered by Medicare. Today, many healthy people in their 50s and 60s are making the smart decision to purchase long term care insurance in Boca Raton to help cover the costs of long term health care in their golden years should they need it someday.

What should you look for in a long term care policy?

Essentially, a long term care insurance policy helps you afford a comfortable place to spend your senior years and it alleviates the burden from family members who can no longer care for you in your own home. This popular health care option is guaranteed to give you and your family peace of mind when you can no longer care for yourself. A long-term care insurance policy helps cover the costs of care when you have a chronic medical condition, a disability or a debilitating disease such as Alzheimer’s. So, essentially it can help you pay for in-home health care, quality nursing home care, adult day-care, and assisted living on a daily basis. 

What should I look for in a long term care insurance policy?

  • What is the ideal age to purchase an LTC Insurance policy?
  • What tax advantages, if any, are there to purchasing long term care insurance in Boca Raton?
  • Will your policy cover the cost of assisted living or just the housing?
  • Will your policy go up every year or does it go up in five-year increments?
  • Will the policy cover assisted living or nursing homes in my area?
  • Will your premium go up significantly as your age? 

How can I get the information I need on long term care planning?

At the Center for Long Term Care Planning, we advise considering a long-range health plan way before you need the care. That means you should start thinking about long term health care in Boca Raton in your 50s and 60s. You won’t qualify for this insurance if you wait until you become ill. What long term care insurance is right for you is also an individual choice. That’s why at the Center for Long Term Planning; our experienced caring team will work with you to find the best policy options and to also make sure that everything in your policy is clear and concise. Don’t wait another minute to discuss your long term care with one of our experienced LTC planning specialists. Call us toll-free at (888) 855-5700 to review the best options for you!