Some things you need to know about long-term care:

You’re probably not covered. Many people mistakenly believe they are covered for long-term care, but this assistance is not typically covered by your health or long-term disability insurance. Government programs aren’t designed to pay for all your long-term care needs. Medicare only pays for skilled care, while Medicaid only covers the very poor – those whose assets are at or below state-required levels. These programs often don’t cover care provided in your own home.  A typical nursing home in the New York Metro area costs $350 per day.  Your retirement nest egg can be rapidly depleted without insurance. Long-term care doesn’t mean nursing home care. In fact, the majority of people who need long-term care remain in their own home or in their community. Most long-term care insurance policies will cover people in all care settings including the home. That’s a significant benefit.

Your age and health make a big difference in what protection costs.

Many people put off looking into long-term care insurance protection. Waiting to plan can be a mistake because the cost of insurance is based on your age, increasing as you get older. Your health is also a most important factor. Waiting to plan can be a costly mistake because a change in your health can make you ineligible for this protection (no matter how much you are willing to pay).

Why not find out how much long-term care insurance protection costs?

There is no cost or obligation to find out how much long-term care insurance protection costs. Why not find out now. It’s an important first-step to take. Call today,  212.579.2613, email info@NOWtoNEXT.com or fill out the form at the top of the page.

Make Long-Term Care Insurance the foundation that protects your retirement nest egg.