Long-Term Care

Long Term Care (LTC) is a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time. The Centers for Medicare and Medicaid Services. (CMS) estimates that about nine million men and women over the age of 65 in the US will need long-term care in 2006. By 2020, 12 million older Americans will need long-term care. A study by the U.S. Department of Health and Human Services says that four out of every ten people who reach age 65 will enter a nursing home at some point in their lives. About 10 percent of the people who enter a nursing home will stay there five years or more.

We can help you navigate your questions when it comes to selecting the right Long Term Care coverage for you and your needs. We’ll look at the following during your initial (no cost) consultation:

Types of LTC coverage available
Who in your family is likely to need Long Term Care
What to look for when buying Long Term Care insurance.

Call us today, so you can feel confident about your future, knowing that you are helping to protect your assets and your family’s well being.

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Carstens Financial Group focuses on providing comprehensive asset management, estate planning and life insurance solutions. Allow us to help you secure your financial future.