Most of us don’t like to consider when we may notice a spouse, parent, or loved one start to decline. Perhaps their memory starts to slip. Maybe they are moving slower or falling at home. When it does happen, the crisis begins.
“The entire family will go through many emotions. We all are in denial of this day. However, we will age, and as we get older we will face changes in our health, body, and mind. The consequences mean more than just anxiety,” said Matt McCann, a leading expert on long-term health care planning.
McCann says you might think you have created a solid retirement plan, but when costly long-term care expenses start to kick in, the wall of protection begins to crack.
“Placing your entire finances at risk makes no sense. Thinking that family will become your future caregiver also is not realistic. Being a caregiver is a tough job and the role could go on for years. Expecting your adult children to be caregivers places an emotional and physical burden on them and their family,” McCann explained.
Paid services are expensive, according to the LTC NEWS Cost of Care Calculator.
“Long-term care costs go up every year. This is a cash flow problem and a family problem. We need to secure the wall around your assets to safeguard them and give time for your family to be family,” McCann said.
Long-Term Care Insurance gives you the financial resources to obtain your choice of quality care options, including in-home care.
“Think of it as a wall of tax-free money. This money is your first defense of the costs and burdens of aging. Without a plan, you are subjecting yourself and your family to needless hardship. An LTC policy safeguards income and assets and eases the burdens otherwise placed on those you love,” McCann added.
McCann recommends starting your plan in your 40s or 50s when you still enjoy reasonably good health. His unique approach allows you to learn about your options and shop all the major companies from the safety of your home. You get to see his computer screen as you speak with him on the phone.
Licensed nationwide, McCann’s 21 years of experience allows him to provide consumers with free and accurate quotes from all the major companies. Several types of plans are available to consider. Plus, you get his professional advice in policy design.
Get your free quotes from the top companies by clicking here.
McCann Insurance Services: 866.751.7957: www.mccannltc.net