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Why You Should Have Long-Term Care Insurance


As we age, it’s only natural to need a little extra help. When a family finds that their loved one needs care, it can be difficult to make a decision about their future care. It is stressful and challenging for the family to care for a loved one, but the cost of long-term care may also seem prohibitive. For this reason, it’s best to have a plan in place and discuss options with your loved one and your family.

One option is to purchase a long-term care insurance policy. These policies can provide some peace of mind for families, knowing that their loved one can get the care they need when it comes time. Here are some of the reasons you should consider purchasing long-term care insurance for your loved one.

Quality Care on Your Schedule

Nothing is more frustrating than waiting for care when you need it. If your loved one needs assistance with daily tasks like dressing, bathing, or feeding themselves, they should qualify for long-term care benefits. Often family members are left to pick up the slack while waiting for government benefits to take over the cost of long-term care in a qualified care facility.

With long-term care insurance, your loved one can access the care they need faster, and use their insurance benefits to cover the cost. Rather than waiting on the government to pay for care or relying on family members to effectively handle your loved one’s care, you can rely on a long-term care policy.

Long-Term Care Insurance Can Pay Costly Claims

When purchasing insurance of any kind, you hope you’ll never need to use it. This is especially true with long-term care insurance, but you’ll be glad you have it if it ever becomes necessary. It’s no secret that the costs of long-term care can add up quickly, and having insurance in place before there’s a need for it. If your loved one needs lengthy, expensive care, you can rest easy knowing they have an insurance policy to help.

Long-Term Care Insurance Gives You Freedom

For those with long-term health insurance, the future doesn’t need to be so concerning. These policies allow an individual to have the resources in place to afford the care they need, no matter what the future holds. Insurance gives you the freedom to make choices when it comes to care, and can allow you to find the best possible solution for you or your loved one.

Like any financial situation, long-term health insurance is an important decision that should be approached with proper research and a strong understanding of your needs and resources. It’s best to shop for long-term care insurance long before you feel you’ll need it, but there are still options for those who are older.

Are you or a loved one looking for long-term care services? At King Street Rehab, our long-term care facility in Fairfield County blends luxurious living with compassionate and personalized care for every resident. Schedule a free tour of our care center to learn more about our services today!

Call (914) 937-5800 to speak with a member of our team.

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