We all want a reason to not buy more insurance. We make that decision because we want to believe it will “never happen to us”. LTC is not about the risk on needing care…..the risk is small. It is the consequence of needing care… to your retirement income and your family that can be devastating. Are you reasonable enough to agree that it could happen? If you had to come up with $6,000- $8000 per month for care that allows you to stay in your own home…..where would the money come from? Would you have “extra” retirement income??
Long Term Care Insurance is a relatively inexpensive tool for suppling those funds. A couple in ther 50’s could custom tailor a plan that would provide basic, significant or fully comprehensive funding. It could eliminate the catastrophe and preserve your lifestyle. A basic plan can cost less than $2000 per year.
Why not find out more? Schneider & Shulman Associates will provide a customized quote showing all 3 levels of coverage and premium options. We do not charge or obligate for this information. Call us locally at 516 870-0800 or toll free at 1 877 843-9582. You can also e mail us at: firstname.lastname@example.org .
We are General Agents for all the best companies (Genworth, John Hancock, Prudential, TransAmerica, Lincoln) and welcome calls from clients and brokers.
David Shulman, CLTC