Why Long Term Care Insurance? It's really quite simple:
Of people over age 65 almost half will spend some time in a nursing care facility!
(1997 modification of National Nursing Home Survey, Society of Actuaries)
·    • 48.6% of those turning age 65 will enter a nursing home in their lifetime and 71.8% will        experience some use of home health care or Long Term Care.
·    • The average cost of a year in a nursing home is $40,000.
·    • 55% of those who enter a nursing home will stay at least one year; the average stay is        two-and-a-half years.
·    • The national expenditure for long term nursing home care is the fastest growing element        of health care costs.
·    • The average stay in a nursing home is 2.5 years.

What is Long Term Care? Long Term Care (LTC) is the professional and domestic help we need to perform simple daily activities* when recuperating from an accident, chronic sickness, or simply because of your age. Care is provided at home, day care centers, assisted living facilities, or nursing homes.
*bathing, dressing, eating, toileting, cognitive impairment

Home Care
·    • Per Day $80-$150
·    • Annually $30,000-$55,000
·    • Nursing Homes
·    • Per Day $110-200
·    • Annually $40,000-$80,000
       (Source: National Health Policy Forum

How Do You Pay For Long Term Care?
·    • Go on welfare and lose independence
·    • Pay for the cost out of your pocket
·    • Make your children pay
·    • Buy insurance

How Much Does Long Term Care Cost (Without Insurance)? Call us and ask for a Long Term Care Insurance Specialist at: 800.867.4434