When thinking about retirement planning, you might often picture relaxing vacations, picking up a new hobby, or tackling a long-overdue project list. Life can sometimes throw us unexpected curveballs, however, so it’s important to not overlook the possibility of needing Long-Term Care (LTC) assistance during this time.
LTC Assistance includes a range of services that help individuals with chronic illnesses, disabilities, or other conditions that make it difficult to manage daily activities on their own. This can include eating, dressing, bathing, or getting around.
There is a common misconception that Medicare covers Long-Term Care. While Medicare may cover short-term skilled nursing care or rehabilitative services, it does NOT pay for extended, non-medical assistance at home, in assisted living, or a nursing home. Long-Term Care coverage can compliment your Medicare by filling in these gaps:
- Protect your savings: These care expenses can add up quickly. Even just a few months of services can significantly impact your retirement savings.
- Maintain independence: With a plan in place, you have the flexibility to choose how and where you can accept care. It also means your loved ones won’t need to be your full-time caregivers, and can instead be there to support you in other ways.
- Access care sooner: Rather than waiting on funds you need or compromising quality, you are able to access help as soon as you need it.
Many people believe long-term care coverage is either out of reach financially or too difficult to qualify for, so we think you’d be pleasantly surprised at the options available now. These solutions are more flexible / attainable / affordable, and can fit very easily into your existing plan. Now is the perfect time to explore the coverage designed to protect your independence and your family’s peace of mind. Call your SBS agent today to review your options!
1-800-627-2768
Not affiliated with or endorsed by any government agency. This is a solicitation for insurance, by responding to this ad, you may be contacted by a licensed agent to discuss Medicare Supplement Plans, Medicare Advantage Plans, and Prescription Drug Plans.