Your family means the world to you.
Do you want to burden them with your daily needs, such as showering and dressing when you’ll no longer be able to take care of yourself?
Most people prefer to remain at home. If you feel the same way, and don’t want to rely on your loved ones, it might cost you $60,569.60/year for 40 hours of a home health aide, based on national average costs.¹
Can you afford that or 3 times more for a registered nurse without depleting your retirement savings and giving up your planned retirement lifestyle?
We have a solution – Long-Term Care insurance!
Long-Term Care insurance offers you the following benefits:
- Long-Term Care (LTC) insurance covers long-term care services for either you or your spouse, leaving the income stream to cover normal living expenses for the other partner
- Allows you to maintain your lifestyle without having to significantly impact your nest egg
- Helps ensure the pool of retirement money doesn’t run out, so you don’t have to rely on Medicaid
Get Long-Term Care Insurance to Protect What Matters
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... and the younger you are, the more affordable Long-Term Care insurance can be.
Here are a few monthly cost examples of traditional Long-Term Care policy, each of which provides $6,000/month for 5 years (without inflation) for a married male and female couple at different ages in Florida.*
|
Couple's Age
|
LTC Cost/Month
|
|---|---|
|
45
|
$337
|
|
50
|
$378
|
|
55
|
$443
|
|
60
|
$552
|
|
65
|
$789
|
Don’t spend your hard-earned retirement funds on long-term care. Explore how LTC coverage can protect your lifestyle, retirement, and assets.
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1U.S. Department of Health and Human Services data
*COVERAGE DISCLAIMER: These statements do not amend, modify, or supplement any current or future insurance policy. They are not a guarantee of savings or services but reflect past client and broker experiences in the states where we are licensed. All clients and coverages are unique. Your results can and will vary. Your eligibility for products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. If there is a discrepancy between information contained herein and your policy, your policy takes precedence. Consult the actual policy or your licensed agent for details regarding terms, conditions, coverage, exclusions, products, services, and programs which may be available to you.
GENERAL INFORMATION DISCLAIMER: Statements on this website regarding insurance policies and coverages and other content provide general information only. There is no intentionally misleading information contained in this website, however, Hilb Group, provides no warranty as to their accuracy. We will endeavor to correct or clarify any incorrect information. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.