Life is Unpredictable Protect Your Assets and Ease Your Emotional and Financial Burden from Unexpected Illness or a Disabling Accident  Americans are living longer. That's good news, but the flip side of that is there are more years in which there's a risk of serious health problems. And that could literally cost all of your remaining life's savings. A study reported by the New England Journal of Medicine in 1992 anticipates that 43% of people over age 65 will enter nursing facilities during their lifetime. You probably know someone who needed long term healthcare and went through all their money leaving nothing behind. More than half of the people in a nursing facility stay more than one year Currently, the cost of a year in a nursing home averages about $38,000.

Ordinary health insurance won't cover Long Term Health Care! Do you know that if you or a loved one experiences a medical crisis in the future, you may not be covered under health insurance or government programs like Medicare? Nationally, one third of all nursing home expenses are paid out-of-pocket by individuals and their families, and about half are paid by state Medicaid programs. Medicaid, a federal/state health insurance program, will only pay for long-term care if you've already spent most of your savings or other assets. That's why long-term care insurance is a wise investment in your future. FAQ Long Term Care Our experts in Long Term Care Insurance can help you today.

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