Long-term care is the kind of care you need when you are no longer able to care for yourself independently; when you need help to eat, bathe, dress, move freely or cannot be left alone. You may need this care because of an accident, a chronic medical condition or simply because you're getting older.

Long-Term Care - It's More Common Than You Think

While most prefer not to think about it, the need for long-term care can happen at any time and at any age. Statistics show that about 60% of Americans will need long-term care at some point in their lives.¹

Is Long-Term Care a Part of Your Financial Plan?

You've worked so hard to build the kind of life you want. You've planned for the future; saved for your retirement - but, have you considered what effect an unexpected accident or illness could have on your future? Like most Americans, probably not. In fact, failure to plan for long-term care is the number one cause of poverty among older Americans.²

Who Pays for Long-Term Care?

You may think you're already covered for this kind of care, either through Medicare, or your medical plan. But the fact is, these plans are not designed to pay for long-term care.

Some of the Most Important Reasons Why People Purchase Long-Term Care Insurance.

• To help avoid physical and financial dependence on family
• To help protect hard-earned assets
• To help maintain a choice on how and where to receive care
• To help assure high-quality care, at an affordable price

Many People Are Surprised By the High Cost of Long-Term Care

Unless you personally have had an experience with long-term care, it is hard to understand the financial impact long-term care can have on your family.

You and Your Family Will Often Pay for the Cost of Long-Term Care.