Received a call from a consumer today that's reflective of many questions we've received over the past 10 years; "what if I never go into a nursing home," he asked.
My glib response was, "consider yourself lucky. But that's not a reason not to consider long-term care insurance." I explained that in 2007 (the most recent year for which the American Association for Long-Term Care Insurance gathered data) some 43.0% of long-term care insurance claim benefits went toward home care expenses.
The fact is that most people today ... and most who'll likely need care in the future ... want to receive care in their own home. And, long-term care insurance provides you with the ability to do just that. By the way, I explained, some 32.9% of individual claim benefits in 2007 went for assisted living care. Only 24.1% went for nursing home.
But don't take my word for it ... watch a brief video of Rosemary talking about how their long-term care insurance policy allowed her husband to recover at home. Her words are more powerful than mine could ever be. Click on this link http://www.aaltci.org/claims ... the whole video is 5 or 6 minutes and extremely moving.
A Failure To Plan ... Is A Plan For Failure.
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