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Long-term care refers to a broad range of medical and personal services.  Long-term care goes beyond standard hospitalization and nursing care.  It includes all of the assistance you may need if you are unable to care for yourself for an extended period of time.  The need for such care could be the result of a chronic illness or disability or could arise because of physical or mental impairments that prevent you from performing basic activities of daily living, for example feeding and dressing yourself.

Recent studies indicate that 40% of Americans over the age of 65 will need nursing home care at some point during their lives.  The national average cost of a year in a nursing home is estimated at over $45,000; in some areas, it could be be twice that amount.  Nursing home care is not covered by regular health insurance, and Medicare covers only minimal nursing home expenses.  Additionally, 90% of long-term care services are provided outside of a nursing home, such as in homes, adult day care centers, and assisted living facilities.

Long-Term Care Insurance helps you protect your assets and maintain your financial security should you need long-term care later in life.  Our insurance professionals will assist in developing a plan that is most suitable for your specific needs.

Carriers We Represent:  MetLife and Unum