AUMILLER & ASSOCIATES

Here's a killjoy question for people who think they've saved enough for retirement: Have you thought about the cost of long-term care and the possibility that you might need it?

The government estimates that 70 percent of seniors will need some form of long-term care assistance before they die. For those who will require the most costly type of long-term care, the tab can be astounding.
 

What is Long-Term Care insurance?
 

It's coverage that is specifically earmarked for paying the cost of nursing home or in-home assistance for people who don't have a medical ailment, but who without help are unable to handle some of the basic activities of daily living. These activities of daily living include things like eating, drinking, walking, dressing, and bathing.

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What is Short-Term Care insurance?

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Short-Term Care insurance is very similar to Long-Term Care insurance in what it is designed to do. It's really just a matter of scale. Injuries and chronic illnesses do not discriminate. If you understand the need for long-term care insurance but find the premiums too expensive, a Short-Term Care policy may be for you. 

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If you would like more information on either Long or Short-Term Nursing Home Insurance plans available in your area, click the "Request More Information” button toward the bottom of this page. Fill out the form and we will contact you as soon as possible to answer your questions. To watch educational videos on this topic click here or visit the "Education Center" on the menu bar!