Help protect the quality of life for you and the people you love.
It is very possible that you, your spouse or your parent may someday need assistance with the basics of living. The phrase long term care is used to describe assistance with daily activities including getting dressed, bathing, eating, moving from place to place, and using the bathroom. It also refers to a situation where someone has a Severe Cognitive Impairment. Long term care can take place at home, in an assisted living facility, in a nursing home, or in the community through special programs.
Good planning is critical in protecting your independence, your assets and your choices. Unfortunately, long term care can be expensive. See the National Findings:
Nursing Home Base Rates
The national average daily rate for a private room in a nursing home is $80,300 annually. The national average daily rate for a semi-private room in a nursing home is $71,175 annually.
Assisted Living Base Rates
The national average, private pay base rate for an individual residing in an assisted living community is $3,100 monthly or $37,200 annually.
* AALTCI *2010 Sourcebook for LTC Insurance Information
Because of the high costs, most of which tend to increase each year, good planning is critical in protecting your independence, your assets and your choices.
Making a decision about long term care insurance is a wise step to make. Of course, most of us do not like to think about aging or the possibility of either ourselves, our spouse, or our parent needing long term care. But having long term care insurance effectively removes the worry about many of the financial and emotional issues surrounding this very common life situation. Perhaps you will never need care. Perhaps you will. With long term care insurance, you know that, whatever life may bring, you are prepared.
Click below on any PDF files for more information about LongTerm Care.
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Financial Representative of The Guardian Life Insurance Company of America, New York, NY. The Information on this site is intended for the residents of Connecticut (CT), Delaware (DE), Florida (FL), Massachusetts (MA), New Jersey (NJ), New York (NY), and Pennsylvania (PA). The financial representatives of Devon Financial Associates LLC are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Colleen Marzella at 610-293-8304.
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