"Perhaps you've bitten the bullet and purchased long-term care insurance, or decided to pay out of pocket for long-term care. Or, if you're like many people, what to do about long-term care is just a nervous thought that flits through your head from time to time--triggered when you hear about a relative being diagnosed with Alzheimer's disease or a friend shouldering the care of an elderly parent.
There's no right answer for everyone. But as you determine your long-term care strategy, it's best to do so fully armed with the facts: the likelihood that you'll need long-term care and what it might cost, the costs and benefits of long-term care insurance, and exactly what the government covers for you (and, mostly, what it does not).
Armed with some data about long-term care costs and insurance, you can weigh these facts against the many intangibles related to long-term care: the burden that caregiving could place on your loved ones, the opportunity cost of paying for long-term care insurance that you might never need, and the peace of mind that can accompany having the insurance." read more and get the cold hard facts about why you need to be promoting Long-Term Care protection to your clients!
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