Long-term care planning must be personal. There is no
one right way to plan for long-term care.
Evaluate your options with a critical eye. Long-term care
is not just a financial risk but is also an emotional issue
that touches deeply held values.
Become educated about long-term care. Talk to friends and
family about their experiences as caregivers and the different
ways they paid for services.
Ask questions if you're confused. Don’t sign anything
until you have an answer to all your questions.
Aside from research, the most important safety tool is
simple common sense. Don’t allow yourself to be pressured
and don’t rush into anything.
Work with experienced advisors that you trust.
YOU’RE NOT ALONE
There is a lot of help available through consumer
organizations, books you can read, and websites with detailed
Let someone else do the hard work. Do not hesitate to seek
professional help for legal, tax, and insurance issues.
Professionals with years of experience are experts who know
the latest information and can help you with the details.
Work with a certified LTC insurance specialist to customize
a policy to fit your budget and needs.
IT’S NEVER TO EARLY – OR TOO LATE -
TO PLAN FOR LONG TERM CARE
With any plan, the most important thing is to get started.
It may be challenging, but the sooner you start, the more
options you have.