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 Long-term care insurance is designed to provide valuable support and financial benefits to you if you are involved in an accident or are diagnosed with a serious illness. It also provides that same support for you as the normal effects of aging take place. Long-term care insurance allows you and your family to face the future with confidence by helping protect your assets, and giving you the choice and control over where the care is received.
According to the U.S. department of health at least 70% of people over the age 65 will require some long term care at some point in their lives. Despite what many people believe, Medicare and private health insurance programs do not pay for the majority of long term care services that most people need, which include many different activities such as getting dressed or using the bathroom independently.
- Maintain flexibility - care can be given at home or in a facility
- Protect assets and savings
- Avoid burdening friends and family
- Retain independence
- Preserve quality of life
- Stay at home as long as possible
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