Kenosha Long-Term Care Insurance | T. Heller Financial

Looking for Kenosha long-term care insurance? Wondering just what that is?

Although it may be difficult to imagine a time when you/your spouse become unable to care for yourselves any longer, for many people it may be a reality. The key to making this late stage of life as seamless as possible is preparedness. You don't want to worry about how to pay for long-term care when you need it. T. Heller can help you plan to prepare for it ahead of time. 

The purchase of Kenosha long-term care insurance is the best way you can prepare for an unprecedented time such as the need for long-term medical care. Long-term care refers to a host of services that aren't covered by your regular health insurance. For instance, this can include assistance with the most routine of daily activities like dressing, bathing, or even getting in and out of bed.

long-term care insurance in kenosha, kenosha Why Should I Get Kenosha Long-Term Care Insurance? 

A long-term care insurance policy is an important part of any long-range financial plan, especially in your 50's and above. You don't want to drag your feet when it comes to long-term care insurance! You will not qualify if you already have a debilitating condition and long-term care insurance providers often will not offer the insurance to applicants over 75. 

A long-term care insurance policy often helps to cover the costs of care if you develop a chronic medical condition, disability, or a disorder such as Alzheimer's disease. Most policies will reimburse you for the care given in a variety of places as well, such as: 

  • Your home
  • An assisted living facility
  • A nursing home
  • An adult daycare center

Still unsure if purchasing long-term care insurance in Kenosha is right for you? Here's some food for thought: Nearly 70% of 65-year-old people will need long-term care services or support, according to 2020 data from the Administration for Community Living. Women typically require care for an average of 3.7 years, while men require it for 2.2 years. Regular health insurance doesn't cover long-term care and Medicare won't help here, unfortunately, as it covers short nursing home stays or a limited amount of home healthcare when you require skilled nursing or rehab. Medicare will not pay for custodial care, including supervision and help with day-to-day tasks. 

We could go ON and ON about the reasons why purchasing long-term care insurance may be in your best interest, but we'd much rather discuss it with you in person! Contact T. Heller Financial today to discuss your long-term care insurance needs in Kenosha and put the best foot forward!