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Allows You to Take Care of Your Family if You Get Hurt
Dealing with long-term care needs is challenging no matter how old you are. However, those who have an accidental injury that results in long-term care needs early in life face an especially daunting future. The truth is that an accident or illness could happen at any age, including in the prime of your life. According to the US Department of Health and Human Services, 40% of people currently receiving long-term care are adults 18 to 64 years old.
Long-Term Care Insurance Helps Prevent Negative Inheritance
The exorbitant cost of long-term care may quickly deplete your assets, leaving you with no means to provide for your family. Additionally, as a parent, you may want to avoid putting your kids into a “Negative Inheritance” scenario – when the cost that your adult children pay to care for you exceeds any bequests you provide. Long-Term Care Insurance helps you to protect your entire estate; including your home, which could become at risk.
Preserve Quality of Life with Long-Term Care Insurance
Long-Term Care Insurance will give you peace of mind, knowing that you can help to preserve the quality of life for your spouse and other loved ones, should you be injured and become unable to care for yourself. Because long-term care needs can be particularly devastating to younger and middle-age adults, certain policies offer special benefits for individuals under the age of 65. This includes benefits like double coverage for long-term needs resulting from accidental injury, along with the return of premium to your beneficiary, should you die prior to age 65.
With Long-Term Care Insurance, you may rest assured that you will receive the care and services you need while you continue to provide for your family’s needs through your preserved resources. To learn about the wide array of benefits of Long-Term Care Insurance available through reliable, top-performing providers like John Hancock, MetLife and Genworth, contact a Royal State Insurance agent today at sales_service@royalstate.com or call 808-539-1600
Long-Term Care Insurance Helps Prevent Negative Inheritance
The exorbitant cost of long-term care may quickly deplete your assets, leaving you with no means to provide for your family. Additionally, as a parent, you may want to avoid putting your kids into a “Negative Inheritance” scenario – when the cost that your adult children pay to care for you exceeds any bequests you provide. Long-Term Care Insurance helps you to protect your entire estate; including your home, which could become at risk.
Preserve Quality of Life with Long-Term Care Insurance
Long-Term Care Insurance will give you peace of mind, knowing that you can help to preserve the quality of life for your spouse and other loved ones, should you be injured and become unable to care for yourself. Because long-term care needs can be particularly devastating to younger and middle-age adults, certain policies offer special benefits for individuals under the age of 65. This includes benefits like double coverage for long-term needs resulting from accidental injury, along with the return of premium to your beneficiary, should you die prior to age 65.
With Long-Term Care Insurance, you may rest assured that you will receive the care and services you need while you continue to provide for your family’s needs through your preserved resources. To learn about the wide array of benefits of Long-Term Care Insurance available through reliable, top-performing providers like John Hancock, MetLife and Genworth, contact a Royal State Insurance agent today at sales_service@royalstate.com or call 808-539-1600
