If you’re over 40, you’ve probably taken a number of steps toward making sure your later years are comfortable and organized, such as setting up retirement accounts, writing a will, and buying life insurance. If you haven’t thought about long-term care insurance, now is the time. This type of insurance must be purchased before you become infirm enough to use it.
Long-term care insurance covers your needs if you have a disability or chronic medical condition, or if you require assistance with day-to-day activities that you can no longer perform as a senior.
Why Long-Term Care Insurance Makes Sense
You may be surprised at how many people eventually need long-term care insurance. The vast majority of seniors will need help with bathing, dressing, and getting to medical appointments, but paying out of pocket for these services can be costly. And they are not typically covered by regular health insurance or by Medicare.
Long-term care insurance gives you the peace of mind of knowing you will be able to cover assistance whenever you need it. If you have a health condition that predisposes you to requiring more assistance, long-term care insurance can be an even greater lifesaver.
This insurance also covers you in a variety of locations. You can use it whether you are being cared for at home or in an assisted living facility, nursing home, or adult day care center.
Let Our Independent Agents Help You
Most of our clients in Vancouver elect to purchase long-term care insurance while they are still in their 50s or 60s. If you think this type of coverage is right for you, we welcome the opportunity to answer all your questions.
Our independent agents can help tailor a long-term care insurance policy to your unique needs. We offer traditional long-term care coverage as well as policies combined with life insurance.
Call Davidson & Associates Insurance at 360-514-9550 to learn more. You will appreciate the security that comes with having your senior years or chronic condition taken care of so you can relax and enjoy life now.