Long Term Care

Long Term Care insurance is becoming ever more important.  With the help of modern medicine, we are living longer lives than the generations before us.  So it is much more likely that you or someone you love will require nursing care in the event of a stroke, Alzheimer’s, an accident, or simply by just growing old and living into their 80s and 90s.

Long Term Care insurance ensures that if you need nursing care, you can choose your care and are taken care of with dignity and respect.

Many people avoid purchasing Long Term Care (LTC) insurance because they think it is too expensive and that someone else will take care of them.  However, the actual cost of long term care is much more expensive.  It is estimated that the annual cost of long term care is approximately $80,000 and that cost is continuing to rise.

Additionally, without Long Term Care insurance, consider the effects on your family members who may end up needing to provide the care for you.  They may not have the expertise, time or money needed to care for you properly.

We can help you design a policy that meets your needs, whether it is one that ensures home-care is available so you can stay home longer, one that will cover you for 2 years or for 6 years, or one that provides a basic benefit or one that includes an inflation rider.

With proper planning, Long Term Care Insurance can be an affordable piece of your estate and you can rest assured you have control of your future.

Click here for our FAQ section on Long Term Care.

At HealthPlan Headquarters (HPHQ) we can discuss the benefit of Long Term Care insurance with you and help you decide on the coverage that is right for you.

Come in to our HPHQ store today, contact us by phone, or complete our Individuals & Families Quote Request Form and an HPHQ Guru will contact you to discuss your situation and provide you with a quote.

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