Long-Term Care

Long-term care refers to a range of services and support that are provided to individuals who need assistance with daily living activities over an extended period of time. This assistance can include help with tasks such as bathing, dressing, eating, and using the restroom. Long-term care can be provided in a variety of settings, including in the home, in assisted living facilities, or in nursing homes.

Long-term care can be expensive, and the costs are typically not covered by traditional health insurance or Medicare. This is why many individuals choose to purchase long-term care insurance to help cover the cost of these services. At UCES, we help our clients understand the importance of long-term care planning and can help you explore your options for long-term care insurance.

Long-Term Care Insurance

Long-term care insurance can provide a range of benefits, including:

  1. Protection against the high cost of long-term care: Long-term care services, including nursing home care and in-home care, can be very expensive. Long-term care insurance can help cover these costs, protecting your retirement savings and assets.
  2. Peace of mind: Knowing that you have a plan in place to cover the cost of long-term care can provide peace of mind for you and your family.
  3. Increased independence: Long-term care insurance can help you maintain your independence and quality of life, allowing you to receive care in your own home or in a facility of your choice.
  4. Asset protection: Long-term care insurance can help protect your assets from being spent on long-term care expenses, allowing you to pass on more of your wealth to your heirs or beneficiaries.
  5. Flexibility: Long-term care insurance policies can be customized to fit your unique needs and preferences, including the level of coverage, waiting periods, and benefit period.

We specialize in helping our clients understand the benefits of long-term care insurance and how it can be incorporated into their overall financial plan. We can help you evaluate your options and choose the long-term care insurance policy that best fits your needs and budget.