Long Term & Short Term Care

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Costs for post hospital care have skyrocketed to the point where care can cost from $45,000 - $90,000 yearly.  A study by the U.S. Department of Health and Human Services says that people who reach age 65 will likely have a 40 percent chance of entering a nursing home. About 10 percent of the people who enter a nursing home will stay there five years or more. Long Term Care Insurance can help protect senior's estates from these catastrophic costs. LTC insurance can also help seniors with peace of mind knowing they will not be a burden to their kids and instead maintain their independence. Recently, Short Term Care insurance has turned into a truly useful product due to the fact the premiums tend to be more affordable and policies are easier to qualify for health wise.