Long-term care is a series of medical and non-medical services needed over an extended period of time, that gives a level of care from skilled practitioners to address chronic conditions, to personal care including activities of daily living such as:

Bathing, Dressing, Eating, Transferring (to or from bed or chair), Ambulation (walking without assistance), Using the bathroom, Etc.

Appropriate care facilities are often far from home and unappealing. In many cases people in need of care recover in about two years, but with their retirement funds drained, and new financial burdens on spouses or the next generation. Long-term care insurance helps safeguard retirement and inheritance assets, and allows people to receive care in the comfort of their own home.

Get in touch with us today to help you evaluate your finances and determine if you are a good candidate for long term care insurance coverage.

WHAT’S INVOLVED?

What is it? Why get it? Do you know how much money you will need saved? What if you outlive your retirement savings? No matter how well you plan, fluctuating expenses can potentially deplete your retirement savings and force you to suffer a lower quality of life or rely on your family for financial support. An annuity can help you avoid a future dilemma and safeguard your financial security by setting you up with guaranteed income throughout retirement, even if you live to be 100. For personalized help with your retirement planning our highly trained team is happy to explain the options and find the right annuity to fit your income needs.

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It’s not something anyone wants to think about, but it does provide financial relief in a time of loss. Life insurance can be the foundation of a family’s financial protection, and Final Expense insurance can help prepare your family financially for your loss while building cash value you can use during your lifetime. Rates and coverage don’t have to be expensive or minimal. Talk to the Senior Benefits Services team to learn more about Final Expense insurance and how your passing doesn’t have to mean more debt for your family.

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Will Medicare be enough?

Medicare Part A and B pays for many of your health-care services and supplies, but not everything. You may want to consider a Medicare Supplement plan, also known as Medigap, to help pay some of the hospital and medical costs that Original Medicare doesn’t cover. Things as simple as copayments, coinsurance, and yearly deductibles could be covered.

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