Long Term Care

... the area's specialist

Long Term Care Insurance (LTCI) provides cash benefits to pay the cost of permanent healthcare. An example would be the loss of Activities of Daily Living (ADLs), such and bathing and dressing, because of a stroke or fall, or a cognitive impairment, such as dementia or Alzheimer’s.

Covered services include Home Health Care, Assisted Living Facilities, or Nursing Homes.

Generally speaking, purchasing LTCI is a good idea for individuals who do not anticipate the financial ability to privately pay for these services, which currently average $45,000 to $65,000 per year in the Quincy area.

The primary purpose of LTCI is to allow the insured more choice as to where they receive their care, and to avoid reliance on government programs (Medicaid) or their children for care and financial support.

Most financial planners recommend purchasing LTCI in your 50’s or early 60’s.

What makes LTCI unique is the nature of the product, that is, the multitude of options that are available. This is how Stan Schwartz, “the area’s long term care specialist,” can help. Stan will help you understand your options, assess your attitude towards assuming some risk, and guide you to a company and benefits that meet your budget and comfort level.

You will NEVER be asked to buy on your first LTCI appointment with Stan! You will be given a few options of your making, and invited to reschedule a follow up.

Contact Stan Schwartz today to learn more today!