No one likes to imagine needing daily help with bathing, meals, or mobility. Yet almost seven in ten Americans over 65 will require some form of long‑term care. The price tag can drain savings meant for travel, grandkids, or simply peace of mind. Long‑term care insurance offers a cushion—let’s see why it matters.
National averages for a private nursing‑home room now top several thousand dollars per month. Even part‑time home health aides add up quickly. Without coverage, a few years of care can erase decades of diligent saving. We track local facility rates—check regional risks with us before setting your plan.
Many people assume Medicare handles extended care. In reality, it covers short rehab stays and limited home services. Long‑term, custodial care is largely out of pocket unless you qualify for Medicaid, which has strict asset limits.
When funds run short, family members often step in, cutting work hours or moving parents into spare rooms. A long‑term care policy can ease that burden, letting relatives be helpers rather than full‑time caregivers.
Modern plans may pay for at‑home assistance, adult day programs, or memory‑care units, allowing you to choose where you feel most comfortable. Some even include training money for family caregivers.
Premiums rise with age and health issues. Locking in coverage during your 40s or 50s keeps rates lower and widens approval chances. Our team can outline options that fit your timeline and budget.
Retirement savings should fund dreams, not medical bills. Long‑term care insurance acts as a financial seat belt, keeping your life goals on course if extended care becomes part of the journey. Reach out today and we will help tailor coverage that guards both your health and your nest egg
Accidents can hit anyone, on or off the clock. Two coverages often come up in the same breath—workers’ compensation and group accident insurance—but they are not twins. Here are five simple differences that show how they work together. 1. When does it pay? Workers’ comp covers job‑related injuries and illnesses. Group accident insurance usually pays […]
Glasses and contacts work hard: screens, sun, late‑night drives, sports and play. Group vision coverage can make it easier to refresh your eyewear on a smart schedule. Let’s break down when to upgrade and how to use your plan well. Start With The Eye Exam Begin with an annual exam. Many group vision plans cover […]