California Long Term Care Insurance

We are all getting older, and if you are over 47 years of age, you need to consider what you would do if you became seriously ill - had a heart attack or other illness - or were injured in a bad car accident; or, God forbid, you were diagnosed with dementia.  Without long term care insurance, you and your family have not anticipated one of the most common situations that we all face as we get older and hope someday to retire.

Most retirees are likely to need some sort of nursing care or extended medical assistance during their retirement. The costs of that care averages over $6,000 per month for a private room in a nursing home, according to a recent national study.

Can your nest egg meet the demands of $72,000 each year for medical care? For most, the answer is no.

Worried about the cost? Compared to the certainty of huge care costs, most find that the cost of long term care insurance in Seal Beach and Orange & Los Angeles counties to be very affordable.

California long term care insurance policy can protect your retirement dream for you and your spouse. And, the policy can be customized so that you can receive in-home care rather than being moved to a facility.

You may think that you are already covered by Medicare for a nursing facility.  That would be incorrect!   Medicare coverage does not allow for in-home coverage, and you would have to be displaced to a state-run facility in order to get into Medi-Cal or comparable care facilities.  And, honestly, you don't want to go to those facilities.

Here are two reasons to get started right away!

  1. The earlier you take out a long term care policy, the less the premiums will be. If you are in good health right now, it makes sense to get approved. And, if you are married, you and your spouse can get a multi-policy discount if you buy from the same company.
  2. The longer you wait, the more expensive it becomes, and then before you know it, you will be too old and the policy will cost too much.  Then, you have no ability to pay for a long illness.  What will you do then?  Call on your family members?  Oh, yeah.  
Get a no-risk quote right away by filling out the short form. We'll get back to you with an affordable path to securing the protection you want.