Long Term Care Insurance

Why Long Term Care Insurance?

You're planning, you're saving, you're doing your best to prepare for a secure retirement. But have you considered the costs of Long Term Care? What about the consequences to family members when a loved one needs care? Most of us don't have a plan if we become seriously ill or disabled. Yet there are 44 million family members taking care of their loved ones right now. This family care averages more than 4 years, not just a few months. This is mostly because they can't afford the care. There are 15 million middle-aged children who are paying for some or all of their parent's care, because their parents have run out of money. The cost of care can derail the best laid retirement plans and destroy the standard of living for the entire family into the future. 75% of family members who provide the care have their own health affected by the burden. 60% of family members work and are seeing their career advancement and future earnings slipping away. A surviving spouse may live on for many years without the type of retirement that was initially envisioned.

Who will coordinate the care? Where can you find caregivers, and how can you possibly monitor the care being delivered? Having a plan of care is important, but how do you put that together? Most long term care insurance plans include all this at varying levels.

Long Term Care Insurance doesn't have to be complicated and confusing. You also shouldn't have to feel sales pressure while trying to understand it. Mark Baron will take as much time as you need to educate you and patiently answer all your questions. He can simplify it, focusing on the big picture, and not all the options that most people never purchase anyway. Long Term Care Insurance isn't for everyone, but you will be able to determine whether it's the right thing for you once you understand how it works.

Since Mark represents several companies. he can point you to the correct one, or maybe recommend two or more that could fit. Recommendations are affected by many factors, such as health, marital status, and age. It's not possible to know the best choice in a company without exploring these factors first.

See the next page for information on long term care insurance as a business benefit and please take 5 minutes to read "The Rookies Guide to Long Term Care Insurance", which will give you a quick overview on the insurance. To explore further, see the other pages on this site. The "Rookies Guide" page also allows you to download the Shopper's Guide to Long Term Care, which is provided by the National Association of Insurance Commissioners.

If you would like to arrange a meeting with Mark in your home or business, simply click the link below, or complete the form to get more information.

If you would like Mark to contact you, or if you have any specific questions, please complete the form below and he will get right back to you. When you have finished, click the submit button.

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