People are more aware of the risks of needing long-term health care than ever before.
Unfortunately, too many of us immediately think long-term care happens to those who have poor health, strong family history, and those who are very elderly. According to a leading expert, the reality is the need for extended care does not discriminate; rather, it is a part of aging and a result of advances in health care.
"No question, we are living longer. The question becomes, what are the consequences of longevity? You have already noticed changes in your health and body in the past 20 years. Just imagine the changes in your health, body, and mind in the next 20+ years," said Matt McCann, a well-known specialist in long-term care planning.
People require long-term care services and supports due to an illness, accident, or the impact of aging. Without an advance plan the consequences often fall on family members. When you own an affordable Long-Term Care Insurance policy you maintain control and independence in addition to safeguarding income and assets.
"None of us want to be dependent on other people, especially our family," McCann said.
The cost of long-term care will adversely impact income and assets. The LTC NEWS Cost of Care Calculator shows how expensive care can be where you live. The cost of long-term health care will continue to rise in the decades ahead. Without planning these costs will negatively impact your lifestyle and legacy. The good news is planning is easy and affordable.
"The younger and healthier you are the more affordable the policy. Ideally, start your research in your 40s or 50s. But be careful. Premiums can vary over 100 percent between insurance companies," McCann added.
McCann's unique process allows you to safely learn about your options. In most cases, McCann can provide immediate quotes with professional recommendations from all major companies. Clients speak with McCann while viewing his computer screen. It is an easy and safe way to learn and shop for the best coverage at the best value – all without pressure.
McCann is licensed nationwide and represents the major brands in Long-Term Care Insurance. McCann's website offers many resources, including a section that compares the major companies.
"The financial costs and burdens of aging will create many challenges for you and your family. You could ignore the problem and let others deal with it, or you can take charge and give yourself and your family peace-of-mind," he said.
McCann Insurance Services: 866.751.7957: www.mccannltc.net