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Long-term care insurance policies cover the costs of care if you have a chronic medical condition, disability, or disorder that leaves you requiring long-term care. Most policies will reimburse the insured for the care given in various health care facilities, such as:
If you have a long-range financial plan, you need long-term care insurance. A chronic condition or injury that requires long-term care can lead to a large amount of medical bills quickly. This can dramatically impact your retirement plans, forcing you to work for longer. Waiting until you need coverage to buy it isn’t a good option because, at that point, you won’t qualify for long-term care insurance.
Regular health insurance doesn’t cover long-term care. Medicare doesn’t cover it either. With this in mind, long-term care can cost tens of thousands after just six months. Long-term care insurance protects you from depleting your retirement savings. It also gives you more options for care if you’ve incurred a debilitating illness or injury.
You need long-term care insurance to protect yourself from sudden medical bills. We can help you find a plan that works for you. Call Alite Financial Professionals to start shopping for coverage today.
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909-641-6844
