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by Arthur Owens on Feb 17, 2015

Have you thought about what would happen to you if you either needed to enter a nursing home or required home care services?

As nursing care costs continue to rise and the need for care increases, there is never a better time to purchase a long-term care insurance policy.

A long-term care policy is one of the best ways to protect your financial assets, so you can leave your inheritance to your surviving family members. Without long-term care insurance, the savings that you worked so hard to accumulate can be wiped out in a matter of years. According to the 2012-3013 LTCi Sourcebook, the average national cost for a private nursing care room was $85,045 per year!

Long-term care policies can be structured to fit your individual needs and offer the following:

  • Nursing care, community care or home care options
  • Waiting periods of 30, 60 or 90 days
  • Benefit periods of 2, 4, 6 or 10 years
  • Spousal discount
  • Preferred health discount
  • Built-in waiver of premium benefit
  • Option to purchase 3% or 5% benefit increase rider

Purchasing a long-term care policy will give you peace of mind knowing your inheritance and your loved ones will be protected.

If you have questions on long-term care insurance in Georgia or you would like to talk about structuring a policy that suits your needs, call us today at (770) 339-0447!




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Lawrenceville, Georgia 30043
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