Long-Term Care Insurance, Hickory, NC

HomeDisability Insurance, Hickory, NCLong-Term Care Insurance, Hickory, NC

Long-term care insurance is designed to cover expenses that would deplete your savings.

Nobody expects to face an illness or accident that leaves them needing long-term care, but if it happens and you are not prepared, the financial hardship to your family can be devasting. The good news is that long-term care insurance can give you peace of mind that you’ll be able to afford the care you need, even if you need it 24 hours a day.

Long-Term Care Insurance in Hickory, North Carolina

At Unifour Life and Retirement, I am dedicated to helping my Hickory, North Carolina clients have the financial safeguards in place that they need. I care about helping you plan for your future. With long-term care insurance, you won’t have to worry how your family will be affected if you aren’t able to care for yourself.

The main purpose behind long-term care insurance is to cover costs that your regular health insurance likely doesn’t cover, such as needing to stay in an adult daycare center, assisted living facility, or nursing home. In-home care is also an option for which you can get reimbursed. When you consider that any of these services can cost upwards of $100,000 per year, that can drain your savings pretty quickly if you do not have long-term care insurance.

It is important to note that far fewer insurance companies are offering this coverage these days, so it is best to get your coverage in place sooner rather than later, as existing policies continue in force even if new long-term care insurance policies are no longer issued. It is also beneficial to obtain this coverage when you are younger and in good health to get the lowest premium.

Reach out to me if you have questions about long-term care insurance or any of the other types of insurance that I can assist you with.