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Long-Term Care 101
Long-term care refers to services that help those who are unable to take care of themselves, either due to age, sickness or disability. About 70% of all Americans will require these services in the future, making it a very real and pressing concern today.
A clear understanding of your different options will help you create the best plan for long-term care—from learning about the different kinds of care services to determining the best way to handle those expenses. Knowing these will enable you to make informed decisions and to be more prepared.
Planning for long-term care begins with determining your preferences and financial capability and anticipating your possible needs in the future. Once you have a clear picture, you can begin learning about your different options in terms of care services and ways to pay for them.
An LTCi policy can offer you comprehensive coverage, making it your best option for your future health care needs. By preparing for your future health care needs early, you can build a more secure retirement free from anxieties and stress.
Though it’s a challenge to fit insurance premiums into your budget, there are many ways you can save on your policy rates. No insurance policy is set in stone, and you are free to modify yours according to your needs, resources and desires.
Long-term care can come from a number of sources. It can be provided by family members, loved ones, or professionals. Depending on the extent of care needed, long-term care can be administered in the home or facilities like assisted living and nursing homes.