Long Term Care

Request-Quote-ButtonLong-term care (LTC) is a term used to describe a variety of services for people who are unable to care for themselves. This can be due to a prolonged illness or injury or the simple process of aging. Many people think long-term care means going to a nursing home. Today, a variety of long-term care services actually may help keep people out of nursing homes by allowing them to remain at home or live independently as long as possible.

Who needs long-term care?

Long-term care is not just for the elderly. Did you know that:

  • At least 70% of people over age 65 will require some long-term care services at some point in their lives.
  • Of those who have long-term care needs, 41% are under age 65.

Where is long-term care provided?

The need for long-term care does not mean being confined to a nursing home. According to the U.S. Department of Health and Human Services, 80% of long-term care is provided at home. You can receive long-term care in a variety of settings, including:

  • Adult day care centers
  • Assisted living facilities
  • Nursing homes
  • Hospice facilities
  • Your home

What does it cost?

In Florida, the  average cost of long-term  care is:

Daily Monthly Annual
Nursing Home
Private Room $230 $6,999 $83,991
Semi-Private Room $214 $6,500 $88,547
Assisted Living Facility
One-Bedroom $93 $2,815 $33,781
Home Health Care
Home Health Aid $161 $3,495 $41,947

Will I need long-term care?

It’s difficult to predict what the future will bring. If you’re like most people, you plan to live a long life.

Consider this:
Living a long life means you’ll get older, and the older you get, the more likely you’ll be to need assistance

But, younger people may need help, too. Medical advances are saving the lives of people with catastrophic conditions like head injuries, heart attacks and strokes.

Consider this:
The need for long-term care services may arise at any age.

The Right Time to Buy

When it comes to long-term care planning, there are two important reasons to address your future needs sooner rather than later:

  • The cost of long-term care insurance is primarily based on your age and health when you apply for coverage. Therefore, the younger and healthier you are, the more affordable your insurance policy will be.
  • The coverage you buy for your future can also help protect you today. If an accident or illness were to occur when you were relatively young, which required you to need long-term care, owning a long-term care insurance policy would ensure you have coverage to help pay for the cost of care.

The Cost of Waiting to Buy

While many individuals recognize the value of long-term care insurance, many delay their purchase decision without realizing the potential risk associated with waiting. Premiums are directly related to your age and health. The younger you are when you purchase a policy, the lower your premium. Also, if you wait to buy a policy, a change in your health could leave you ineligible for coverage.

By being proactive in your 40s and 50s and purchasing long-term care insurance, you can help reduce the uncertainty of later years and maintain control over important care decisions, protecting assets, and your family’s future.

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  1. Do you smoke?
  2. Spouse smoke?
  3. Are you diabetic?
  4. Spouse diabetic?
  5. Are you insulin dependent?
  6. Spouse insulin dependent?
  7. Do you use a cane?
  8. Spouse use a cane?
  9. Do you use a walker?
  10. Spouse use a walker?
  11. Do you use a wheelchair?
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  13. Do you use any other equipment?
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  15. In the past 5 years have you: (check all that apply)

  16. In the past 5 years has your spouse: (check all that apply)

  17. Do you currently own a long-term care policy?
  18. Does your spouse currently own a long-term care policy?
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