Chances are you could live well into your 80s, your 90s and possibly even longer. The chances of a person living well into their 80s, 90s and possibly even longer greatly increase the need for long-term health care. In fact, almost 70% of people¹. Turning age 65 will need long term care at some point in their lives. However, younger people also need long-term care as a result of accidents or unexpected illnesses. In fact, almost 70% of the people turning 65 will need long-term care at some point in their lives.

Many people think the phrase “long-term care” refers to an insurance policy. While insurance may be part of your strategy, long-term care encompasses everything from long-term services and supports and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.

Long-term health care is generally not covered by medical insurance, by Medicare supplement plans or group / employer insurance. For seniors on Medicare, the long-term care benefits can be quite limited.

That is why over 10 million Americans have purchased long-term care insurance¹. We offer several LTC solutions including individual plans, asset-based long-term care, and life-insurance-based long-term care. And, we encourage investors to contact us in order to understand better their needs so that we can suggest an appropriate LTC plan.

¹Source: Administration on Aging, U.S. Department of Health and Human Services