What are the images that come to mind when you think of Long Term Care (LTC)? For most people, it's not something they want consider for themselves or a loved one.
There are two types of burdens when a family member is in a LTC situation: financial and emotional. We can't help you with the latter, but we can help you plan for the financial part.
Of course, there are LTC policies out there and they can be pricey. The insurance industry has recently starting developing life insurance plans which can be used for LTC expenses as well. Again, they can be a bit pricey. What's the alternative?
One product we've come across is a Disability Income policy with rider that can help cover LTC costs. And the good news is that the rider is very affordable. When you consider that you need a disability policy anyway, why not cover some, or all, of your LTC needs while you can?
Give us a call or look us up on the web and let us help you.
