Can long term care happen to me?

After 12 years of talking to folks all over the country about their own thoughts about long term care and whether or not to insure the risk it comes down to one question...can it happen to me?  Think about it, I realize no one ever plans on needing long term care, but do you think a long term care stay could happen to you? 

In life risks are all over, but of course you can't insure all of them and you don't need to either.  A financial plan begins with proper financial planning and taking a look at the biggest realistic risks a person could potentially face.  Most people who live in the South Eastern US don't have earthquake insurance on their homeowners  insurance policy because the risk of a major earth quake is low.  The long term care risk once you make it to age 65 years old is about 50%, that's a risk that if you have something to lose (an IRA, 401K, stocks, vacation home) you'd be wise to insure.  The four building blocks of a solid financial plan starts with 4 insurance components: homeowners, auto insurance, health insurance, and long term care insurance.  If your financial foundation does not have all 4 pieces then your plan could collapse and everything you worked so hard for could be spent in the nursing home.

At LTCtree we work with all the major long term care insurance carriers and help our clients shop the market to find the best company at the best price.  Take a second to fill out the form below and we'll mail you out your quotes.