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You May Not Be Able to Afford Long Term Care without Insurance

August 8, 2011Asset Protection, Incapacity Planning, Insurance

Many people don’t realize how expensive long-term care costs are.  As more people continue to age, the costs only continue to rise. This is why it’s important to consider the purchase of long-term care insurance.  Without this insurance, long-term care can be unaffordable.  Take a look at the information below, to better understand the use of this insurance.  If you have any questions, or if you need help selecting a long-term care insurance policy, contact an estate planning attorney.

Consider All Future Expenses

It’s important to have a plan in place for all of your future needs.  This includes preparing an estate plan that protects you and your loved ones throughout lifetime.  It’s also important to consider long-term care so that you’re not left to deal with costly care bills.

Long-term Care Can Cost $120,000 Per Year

Depending on the care that is needed, your care bills could be extremely high, over $120,000 a year.  This means that all of your money may go to these bills, making it impossible to live a normal, healthy, and comfortable life. Not planning for your long-term care needs may mean that you’re putting yourself in financial danger.

Long-term Care Doesn’t Mean Nursing Home Care

With long-term care needs, a variety of care services are covered.  This may include nursing home care, at-home care, rehabilitation services, and more.  There are a variety of policies to choose from so that all of your needs are met. It’s important to think ahead when choosing a policy, so that you’re always prepared.

Consult with a Qualified Estate Planning Attorney

Don’t put off this important aspect of planning.  Make sure that you have the financial means to pay for all of your future long-term care needs.  This will allow you to live a better life and get the help that is needed.  If you have any questions, or if you need help selecting the best long-term care insurance policy, consult with a qualified estate planning attorney.

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Michael Robinson, Estate Planning Attorney

Michael Robinson, Estate Planning Attorney

Clients notice Michael Robinson’s unique approach to his estate planning practice the minute they walk through his office doors.
Michael Robinson, Estate Planning Attorney

Latest posts by Michael Robinson, Estate Planning Attorney (see all)

  • A Look at Common Estate Planning Documents - February 14, 2019
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  • Estate Planning Is an Ongoing Process - February 12, 2019

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Several educational workshops coming up around the Finger Lakes you don’t want to miss.   About Latest Posts Michael Robinson, Estate Planning AttorneyClients notice Michael Robinson’s unique approach to his estate planning practice the minute they walk through his office doors. Latest posts by Michael Robinson, Estate Planning Attorney (see... Read more →

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Over the years we have been to many programs regarding Estate Planning. We were most impressed with Mr. Robinson’s presentation – both in subject matter and explanation in an understandable manner. We have put our “trust” in his competent hands. We were not aware of the complexity and the volume of paperwork generated for this undertaking. We found his staff to be most capable and client orien…
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Our overall experience was one of thoughtfulness, clarity and comprehensiveness on the part of Michael Robinson, his staff and associates. We attended Michael’s seminar on legacy wealth, and found him to be clear and well-spoken. He touched on all aspects of Estate Planning in which we were interested. Our first of two visits to his office was timely and helpful enough for us to consider develop…
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