Planning Ahead for Long-Term Care

Living longer is a good thing, but it also means there may come a time when you need extra help with everyday activities or ongoing care.

Long-term care planning can help you prepare for those possibilities while protecting your savings and giving you more choice in how and where care is received.

What Long-Term Care Insurance Can Help Cover

Unlike traditional health insurance, which is generally designed for short-term medical needs, long-term care insurance is intended to help with ongoing support and personal care.

Depending on the policy, benefits may help cover:

• Assisted living
• Home health care
• Nursing home care
• Help with activities of daily living, such as bathing, dressing or eating
• Other qualifying long-term care services

Coverage and benefits vary by policy, but the goal is often the same: to help reduce the financial burden of care and provide greater flexibility for you and your family.

More Than One Way to Plan

Long-term care coverage may be available through a traditional stand-alone policy or as part of certain life insurance or annuity products.

Some qualified long-term care policies may also offer tax advantages, depending on your individual circumstances.

We‘ll explore your options and find a strategy that fits your needs, budget and overall financial plan.