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Long Term Care – Richards Benefits and Financial Services, LLC
If you become unable to perform the Tasks of Daily Living such as feeding, dressing, bathing yourself how will you cover your expenses while you recover? Who will take care of you day to day? Long Term Care insurance is designed to help cover the expenses not traditionally covered by medical insurance, Medicare or Medicaid.
According to the U.S. Department of Health & Human Services about 60% of individuals over age 65 will require at least some type of long-term care services during their lifetime. Over 40% will need care in a nursing home for some period of time. That being said age is not a determining factor in applying or receiving Long Term Care benefits. It is approximated that about 40% of those receiving long term care today are between 18 and 64. Richards Benefits helpful agents can assist you in picking a plan that suits your needs and will help cover out of pocket expenses.
Contact Us to find out how we can help.