'HELP' - What End-of-Life Care Needs
Many people understand the issues and concerns of long-term care. Longevity and the advances in medical science have increased the amount of people who require help is everyday living activities or the supervision needed for those who are suffering from cognitive issues like Alzheimer’s and dementia.
People know the costs will be mostly paid out of pocket or the care itself performed by family members unless you have an advance plan which includes Long-Term Care Insurance.
We Linger Longer
What about end-of-life care? Hospice care and palliative care are two beneficial options that people have for end-of-life care. While there are some Medicare benefits for hospice, they can be limited.
Many of the same factors that cause more people to need long-term care are impacting end-of-life. More often today than ever before, you see people needing full-time hospice at home or in a facility.
Read the full end-of-life care story.
Long-Term Care Insurance Pays for Hospice
Most Long-Term Care Insurance policies will pay for hospice benefits wherever you may need it. This provides additional peace-of-mind for your family when the time comes. When you put in place an affordable Long-Term Care insurance policy, not only are you protecting savings, you are providing yourself with quality care options and limit the burdens placed on your family.
Experts suggest planning before you retire to take advantage of much lower premiums. You may even qualify for preferred health discounts. Experts suggest the best time to start your research and shopping is when you are in your 40s or 50s.
Seek a Specialist to Help You Shop for Long-Term Care Insurance
Find a Long-Term Care Insurance Specialist to design the appropriate plan and shop for the best rates. A specialist will provide you with accurate quotes from all the major insurance companies. Plus, they will provide you with professional recommendations based on your situation.
LTC NEWS will help you find a trusted, experienced Long-Term Care Insurance specialist.
Policies are Custom Designed
Long-Term Care Insurance is custom designed. A specialist will ask you several questions about your health, family history, retirement plans, and more so they can make the appropriate recommendations based on your specific needs.
Find the current and future cost of care services both today and in the future. Use the LTC NEWS cost of care calculator. You will also discover if your state if one of 45 states that offer Partnership Long-Term Care Insurance policies with dollar-for-dollar asset protection.
The financial costs and burdens of aging is a real concern. Long-Term Care Insurance is Easy and Affordable Income and Asset Protection. Make getting older easier on those you love.