LTC Financial Partners (LTC Partners & Insurance in California)
The risks of needing long term care are high - 70% of people over age 65 will need some type of care, according to the Dept. of Health & Human Services - and the costs can easily wipe out your estate. Everyone needs a long term care plan. That plan may or may not include insurance, but it's important to do your homework so you understand your options.
Unlike other types of insurance, coverage for long term care can be complicated. Understanding how to select the benefits that are appropriate for you and not overbuy the coverage is the most important thing. It is critical that you work with a long term care specialist who will guide you through the process so that you can make an informed decision that is suitable for your needs and budget.