Long-term care insurance could be valuable for many seniors. Here are four reasons why it's worth getting now.
Your regular insurance may not be enoughcan be sufficient for a wide array of services but it simply may not be enough. If you need a caretaker to help you bathe, get dressed, get in and out of bed or more, both of those coverage types are likely to come up short.
Long-term care insurance can fill the gap and help pay for additional services you may need. This can begin with daily visits from a healthcare professional but may ultimately morph into full-time care. Either way, long-term care insurance can help cover the bill you may otherwise have been stuck paying in full.You may be financially secure currently, but if you think you'll need additional services in the future, it may be smart to act now.
"The median cost of assisted living facilities is $148 per day, which equates to $4,500 per month, or $54,000 per year–depending on your state of residence,"Finances are tighter than usualmaking everything from gas to groceries more expensive, and indicators that it's not coming down any time soon, you may not be in the financial position you were just a few years ago.
If you don't have long-term care insurance and find yourself needing the care a policy can provide, you very likely will have to tap into the money you planned to pass on to others. Granted, this may be a worst-case scenario, but it can very likely be avoided with a long-term care insurance plan instead. It may seem counterintuitive to pay another bill to avoid other ones in the future. But for many people, long-term care insurance can be well worth it.
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