One reason long-term care planning warrants more consideration today is that 70 percent of people turning age 65 can expect to use some form of long-term care during their lives. Not having a plan can mean that cost falls on your family members, causing a financial strain; or on a retired spouse, leading him or her to deplete their own retirement savings. 

Since dramatic changes in our health can surface quickly and without much warning, it can be extremely beneficial to have a sound plan to be able to fund long-term care, should you need it at any point in your retirement. We are here to help you prepare for a long and comfortable retirement. 

Long-term care refers to medical and support services for those who have difficulty in executing routine daily functions, or those individuals with prolonged or degenerative illnesses, cognitive disorders, old age and or other conditions. Nursing homes are probably what come to mind first when discussing long-term care, but long-term care can, among others, include assisted-living facilities, continuing-care retirement communities and the most common is home care.

Every year the number of companies offering Long Term Care policies are less and less. There are just a few companies offering products that offer lifetime benefits and premiums guaranteed never to increase.