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    Long Term Care

    Why prepare for long term care?

    Protecting your wealth from the high costs of a long term illness is an essential part of retirement planning. Long term health care is a category of health care for people when they can no longer take care of themselves. 

    This need usually results from being disabled physically or being mentally unable to care for themselves. Alzheimers, stroke, diabetes, and just plain old age are common reasons people need long term care.

    A fortunate few, who are wealthy, do not have to concern themselves with the high costs of long term care.  However, for the majority of Americans, the high costs of long term care can financially ruin a family if they do not take the necessary steps to prepare and plan for it.

    How expensive is Long Term Care?

    Almost 50% of people age 65 or older will spend some time in a nursing home. The annual cost for long-term care can easily reach $50,000 or more.

    Because these long term health care services are tremendously expensive, many families have gone bankrupt trying to pay for them. 

    Won’t Medicare pay for long term care?

    Medicare will pay for the first 20 days. To qualify, three full days must first be spent in an acute care hospital before admission to the nursing home.  If three days are not first spent in an acute care hospital (within 30 days of admission to a nursing home) nothing is paid.

    After the first 20 days Medicare will pay just a small part of the cost for the next 80 days. Anything after the next 80 days Medicare will generally pay nothing and you are completely on your own. 

    The Solution:

    Many retirement planning experts encourage retirees to carry long term care insurance insurance to: It is also possible when planning for long term care to look at other alternatives such as annuities that have long term care riders and also “Medicaid planning”.

    Don´t procrastinate, plan today!

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