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    What Keeps You Up At Night?

    Long Term Care

    According to the U.S. Department of Health and Human Services, at least 70 percent of people over age 65 will require some long-term care services at some point in their lives.* But, what is long-term care and how do you know if you need long-term care insurance?

    Current Insurance Policies

    • What coverages do I have to address the need for long-term health care?
      • Disability income insurance doesn’t cover in-home care or nursing home costs.
      • Health insurance doesn’t cover them either.

    Immediate and Extended Family

    •  How am I going to care for parents and/or in-laws as they get older?
      • Nursing Home? Assisted Living? Your house? Their house?
      • Will they need full-time help or part-time?
      • Will this be a long-distance care situation? If so, how often will I be able to check on the conditions personally?
    •  How much will it cost to take care of my parents and/or in-laws?
      • Nursing home, assisted living, or private home?
      • Full time or part-time?
      • Do I need to build in the cost for travel?
    •  How long do I have before I have to address these issues?
      • Can I afford to let it become a crisis?
    •  Do I have enough assets to cover the cost of care without taking out additional insurance?
      • What/How much would I have to sell?
      • What impact would this have on our lifestyle?
      • Will I be able to afford retirement where and how I planned?
      • Can I cover the care for my parents, in-laws, and myself without it becoming a burden?
    •  Are there steps I can take at a younger age to help defend me against the skyrocketing costs of this care?
      • Enroll at work
      • Enroll on your own

    *“Who Needs Care?” Who Needs Care? - Long Term Care Information. Web. /, Mar. 2017. The information provided is only applicable to residents of Connecticut, New Jersey or New York. This information provided is not intended for residents outside of these states.  LTC4 CRN202304-281878