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Long Term Care Insurance

In a world fraught with danger, illnesses, and other unpleasant losses, everyone is figuratively walking a tight-rope, seemingly one disaster away from death and other life fatalities such as bankruptcy. 

Even if you are currently hale and hearty, in the prime of your youth, and as fit as a horse, there is no telling what could happen in the future.

As such, it is wise to prepare for all eventualities. With 7 out of 10 people age 65 and above needing some form of help, getting long term care insurance cannot be emphasized enough.

Senior Couple Undergoing Medical Examination

What is Long Term Care Insurance?


There are different kinds of insurance policies, depending on the item and life insured, as well as the extent of the insurance. Long term care insurance policies typically cover possibilities not included in normal health insurance policies.

A good long term care insurance policy will help to cover the costs of chronic medical illnesses and disabilities. Reimbursement will be effected in instances of care given in places such as your home, an adult day-care center, and a nursing home.

In addition, a long term care insurance policy will cover assistance with daily activities in old age such as dressing, bathing, and getting into bed.

How Can You Prepare for
Long Term Care?

If you are concerned about your health, especially in the long term, then the best way to guarantee qualitative health care in the event of an unfortunate, unforeseen illness is to buy a long term care insurance policy.

The costs of such a service should be well considered long before the onset of old age and the natural devolution of physical faculties. That is to say that you should not wait until you develop some chronic infirmity before you consider buying coverage.

Thus, it is ideal to buy a long term care insurance plan in your 50s or early 60s.

CALL FOR A FREE QUOTE: 845-940-7422

Why Should You Buy Long Term Care?


Regular health insurance will not suffice for the long term. Even Medicare falls short of the task, as the policy is limited to brief nursing stays and limited, often unskilled home health care, neglecting the crucial, finer points of specialized supervision and nursing.

In most states in the USA, if you do not have a long term care insurance policy, you will be required to pay for it out of your own pocket. If it is something you’ve only just optioned last-minute, it can be enough to drive you into bankruptcy.

Here are two essential reasons to purchase a long term care insurance policy:

To protect your savings and keep from debt and bankruptcy

It is very likely that an unplanned long term health care routine ends up depleting all of your retirement savings. For example, according to Genworth’s Cost of Care Survey (2020), $93,072 is the median care cost of a partially private nursing home.

The proper assessment of multiple long term care alternatives

If you have enough money to spend, then the long term care alternatives that you have are almost endless. Thus, it is vital to invest in a qualitative long term healthcare service tailored to your precise needs.

Premium Help When You
Need it the Most

You don’t have go through it all alone. You don’t have to burden your children and family. With Joyce Insurance, you can get the best long term care insurance that keeps you covered even in old age.

CALL FOR A FREE QUOTE: 845-940-7422

Senior Couple


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