People are living longer. Healthcare costs keep rising.
Those are two of the reasons why more and more people are buying long-term care insurance today.
No question about it. Long-term care insurance—which is different from life, disability, and health insurance—has a unique role in planning for the future. After all, it’s specifically designed to help people pay for nursing care and the social and rehabilitative services needed to deal with a chronic illness or injury.
Of course, this kind of assistance can be very expensive. And unfortunately government sponsored plans and standard health insurance plans today do not fully cover the costs.
As a result, people usually have only two options to pay for these essential services: They pay directly out of their own pockets, which is often difficult to manage. Or they rely on private long-term care insurance to provide the financial assistance they need.
ESL Investment Services' approach
If you’re considering long-term care insurance, contact us today.
We’ll help you analyze your financial situation and develop a sound strategy to help you pay for long-term care services.
We also will help you explore the coverage options available from a variety of well respected carriers. We can even review any existing coverage that you may have to make sure that your entire plan for long-term care insurance is designed to meet your needs and your budget.
Of course, there are other important issues to consider, too. How do you protect your assets and your income if you need long-term care? And how do you maintain your independence as long as you can?
We will work closely with you to think through all of these issues and find effective ways to help you maintain control of your lifestyle throughout your retirement.
We look forward to helping you find a sensible and affordable strategy. From our perspective, it’s another smart way to think ahead.
Guarantees based on the claims paying ability of the issuer.