We know that caring for your aging loved ones is important to you. We also know that choosing how to care for them can be quite confusing. Long Term Care Insurance may be just what you are looking for.

Long Term Care Insurance can help protect you, as well as those you love, in the event that extended health care is needed.

Long Term Care Insurance can provide funds to help cover:

• Daily activities such as bathing, eating, dressing
• Skilled nursing care or rehabilitation training either in a nursing facility or at home
• Cognitive impairment such as Alzheimer’s

There are many misconceptions about long term care expenses including the following:

• Many people are under the impression that Medicare, Medicaid, or their health insurance will pay their Long Term Care costs.  Medicare has eligibility requirements for skilled nursing care and is only for a limited time period.
• Medicaid is a welfare program. It will not cover long term health care costs for the average recipient.
• Health insurance and medical supplements do not cover nursing home care.
• Individuals and families through their savings, assets, and cash pay most  Long Term Care costs.

Caring for your loved ones is important. Trust the Townsend Insurance Group to help make the Long Term Care Insurance evaluation process as simple as possible.  Your Personal Insurance Advisors are poised to help you understand the different options and will provide you choices for you to consider.

Let the Townsend Insurance Group help you take the very best care of your aging loved ones now so you can go back to things that matter most, like spending time with them.

LONG TERM CARE INSURANCE

Did you know that statistics show there is a 70% chance of needing some level of long term care during your lifetime?  Contrary to what many people think, Medicare and health insurance do not pay for the costs of long term care.

Unfortunately, the cost of long term care can be very expensive. According to a recent study the US nationwide average cost for long term care is $239 per day – which is over $87,000 per year!

The good news is that you can help secure your financial future with the proper long term care insurance in place.  It can help protect your retirement nest egg from the high costs of long term care — and allow you to receive care with the dignity you deserve in the setting of your choice.  Let the Townsend Insurance Group walk you through the many different plans available so you can choose the best option now, so you can rest assured you are protected tomorrow and for years to come.