Insurance

Are you prepared for long-term care expenses?

For most people, long-term care is a frightening prospect. Nobody likes to think about assisted living, disability, or protracted illnesses such as Alzheimer's. Planning for the possibility of long-term care expenses is important, but you may be putting it off. Or, perhaps you have already done some long-term care planning. If that is the case, when is the last time you reviewed your plan? Are you sure it is still adequate to meet your potential future needs?

Even if you do eventually require long-term care, you want to remain in control of your life. You want to choose your own assisted living facility, rely on the doctor of your choice, and receive the best care possible. This control requires planning up front. Because your future lifestyle and that of your family depend on your long-term care plan, it is important not only to implement long-term care solutions, but to review these solutions periodically.

If your life situation and goals have changed since you last reviewed your long-term care plan, or if you haven't yet planned for long-term care, a financial review may be in order. A review can help you understand key questions such as:

• How much long-term care coverage do you need?
• If Alzheimer's hits one of your family members, where will you get additional resources/help? 
• What will it cost to provide for your long-term care needs?
• Will you be able to afford to choose your assisted living center?
• Do you and your dependents know which services your long-term care policy will cover?
• Will your long-term care carrier help you decide where to get the best care, or just what to pay?

By conducting a review of your current financial plan, we can help make sure you have the long-term care plan best suited to meet your needs. We can also help ensure that the dreams you have for your future are safeguarded, and, if necessary, recommend a course of action to help your strategy keep pace with today's realities.

Call us today for trusted advice on long-term care. Call 858.752.1726 or click here and we will call you.

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