Extended illness or injury is devastating in many ways, especially if you
are your own business. Not only are you unable to work and generate
income, but the high cost of care and rehabilitation is not
covered by most standard health insurance policies. 

Long Term Care insurance provides protection for your financial assets in the event you ever need at-home custodial or nursing home care. The policy pays a fixed daily benefit to cover the cost of long-term care, due to the loss of your daily income. If your health insurance policy does not cover the costs of recovery from serious illness or injury, Long Term Care insurance is highly recommended for independent professionals.

Long Term Care is determined by the care you receive, such as:

• At Home
• In Assisted-Living Facilities
• In Residential Care Facilities
• In Adult Congregate Living Facilities
• In Adult Day Care Centers
• In Nursing Homes
• Through Hospice Services

Long Term Care touches most of our lives. Some of important facts include:

• 43 % of people age 65 and over will spend some amount of time in a nursing home^*
• 70 % of couples aged 65 and over will have a spouse enter a nursing home^**
• $43,000 is the national average nursing home cost. It can cost as much as $80,000 per year depending on the facility and where you live.^***

Long Term Care planning is essential in protecting your life savings, and the savings of loved ones. We can work with you to determine the appropriate coverage based on your needs. Long Term Care insurance can be affordable and versatile. Coverage can help:

• Supply you with the amount of protection you need that is most affordable.
• Protect estate and assets from the high cost of care.
• Gain peace-of-mind knowing you are protected
• Avoid dependence on limited government assistance such as Medicaid

* California office of State Wide HP&D 1995
** The Wall Street Journal
*** D&B Reports, May, June 1991