November is Long Term Care Awareness Month, a time to consider the importance of planning for Long Term Care for you and your family. Protect your assets while reducing your taxes!

Living life the way you want, being financially secure – it’s what independence is all about. But realizing your goals requires proactive planning – including taking into account how the need for long-term care may impact your financial security, your lifestyle and your family’s well-being?

During this time we encourage you to review your financial goals and think ahead about how you and your family would want to manage a long-term care situation.

With long-term care issues at their peak in the media – now is the time to talk turkey with your family about covering this risk and protecting your assets from confiscation by the government.

The cost of care is high

The national average cost for one year of nursing home care exceeds $75,000 today. The projected cost for a three to five-year care event in 30 years could surpass $750,000.¹

The odds of needing care are high

At least 70% of people over age 65 will require some long-term care services at some point in their lives.²

Plan Today

By planning ahead and incorporating long-term care insurance into your financial plan, you’ll take an important step toward helping to protect your future. A long-term care insurance policy can help provide a variety of important benefits:

• It can be one of the most viable means for covering long-term care costs, helping you protect your retirement assets for their intended purpose.

• It can help to reduce the burden of care that may often fall on other family members.

• It can help you maintain your independence by enabling you to choose where you’d like to receive care — including your home.

• It’s less expensive than you might think. Coverage is based on your age and health when you apply. So the younger and healthier you are, the lower your premiums.

Tax Advantages

The good news is that Long Term Care insurance is tax deductible! Plus, if you make some strategic choices with your retirement plans and life insurance, you can further reduce the need for Long Term Care insurance, saving you even more money.

Contact Us For Help

Now is the time to learn more about how long-term care insurance can help protect you, today and in the future. To learn about solutions that fit your personal needs, please call today at (800) 680-5596, or email by clicking This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

1. 2008 Cost of Care Survey, conducted by CareScout. The projected cost is based on the 30-year average rate of inflation ending 12/31/08 of 4.1%, using the Consumer Price Index for All Urban Consumers, Bureau of Labor Statistics, www.bls.gov

2. U.S. Department of Health and Human Services www.longtermcare.gov, September 2008.