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As people begin to age closer to retirement, Long Term Care (LTC) insurance coverage tends to be in their minds more often than before. Long Term Care coverage is important as you age because it can financially assist you in the case that you need help performing Activities of Daily Living (ASLs). These basic daily functions include: dressing, bathing, and generally moving around your home. If you cannot perform any one of these activities, Long Term Care coverage can help pay for assisted living if needed. Long Term Care insurance also covers nursing homes, assisted living facility, in-home nursing care, and degenerative diseases such as Alzheimer’s or stroke.

You may be surprised to find out that most health insurance policies do not cover any Long Term Care costs, and this can leave you and your family financially responsible. Medicare and Medicaid do help supplement some of the costs of Long Term Care, but there are limitations to what is covered and how much these costs are covered.

When you consider that Long Term Care costs can exceed $300,000 it is easy to see the importance that Long Term Care can be for your financial future. The U.S Department of Health estimates that there is a forty-percent (40%) chance you will need some sort of assisted living by the age of 65. This is alarming when you realize that about sixty-five percent (65%) of all Americans do not have adequate Long Term Care insurance in place for their future. Talk to a qualified Long Term Care insurance agent to ensure your financial future beyond retirement.

Our customers from Portland, Lewiston, Bangor, South Portland, Auburn, Biddeford, Augusta, Saco, and many other great cities throughout Maine use our services to find the most affordable home insurance policies. You will find that our vast network of life insurance agents and brokers is a great resource for finding the right long term care insurance coverage for your needs.