Long-Term Care

Don't get caught unprepared for sudden health problems. Take precautions now!

The longer people live, the greater chance they'll end up in a nursing home. Mistakenly, people believe that Medicare and Medicaid will cover long-term care expenses.

The law states that an individual's assets must be paid down to relatively low levels before receiving any government assistance in nursing care costs. Methods to avoid asset pay downs used in the past are illegal today.

The worst case scenario for most middle class families is stroke or heart problems that destroy their life savings intended for retirement. If a person recovers, they will gradually liquidate the remainder of their estate just to live.

To protect your assets, a three or five year long-term care policy, with a longer elimination period, is recommended. John represents the top ten long-term care carriers and will be able to help in determining what carrier is best for your needs.

For a Long-Term Care Quote, contact me with the following information:

• Gender
• Smoker/Non-Smoker
• Date of Birth
• Zip Code
• Waiting period preferred, 3 months, 6 months, or longer cheaper premium

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