Did you know that one out of two adults over the age of 55 will need care in a skilled nursing facility, an assisted living facility or in-home healthcare at some point in their life? Your health insurance doesn’t pay for any of these needs, and neither does Medicare or Medicaid, so how can you cover those costs and provide for yourself if you need long term care in a skilled nursing facility, assisted living facility or in-home healthcare? Sadly, only about 10% of Americans actually have what they need to cover these costs, and that is something called long-term care insurance. Long-term care policies cover all of those services I previously mentioned and more, if you need them. Long-term care is affordable, it’s medically underwritten and your health is really an asset when it’s time to apply. So if you’re 50 or older, you need to be thinking about a long-term care policy. Protect your assets, protect your estate, your family and most importantly, protect yourself. Have you ever visited a nursing home or assisted living facility? What’s the first thing you notice? Usually it’s the smell, and if that makes it unpleasant for you to visit, what do you think it’s like to live in one of those facilities? That’s what a long-term care policy allows you to prevent. It’s a simple choice that can make a huge difference in your life as you age or if you have a medical event like a stroke, or something that incapacitates you.









