One of the Last Things People Think When Considering Long-Term Care Insurance

By Steve Elliott | November 27, 2017 | Comments Off on One of the Last Things People Think When Considering Long-Term Care Insurance

Imagine you, from the time you got your license to drive at 16, had been incredibly safe behind the wheel. You were never distracted, you kept the radio off, and any time one of your friends was traveling with you, you didn’t engage in conversations. You were focused on the road ahead, glancing in the rearview mirror occasionally, checking your side mirrors, and being diligent. (Yes, this article is about long-term care insurance, so please keep reading.)

Long-Term Care Insurance Quote Carmel Valley CA - One of the Last Things People Think When Considering Long-Term Care Insurance

Long-Term Care Insurance Quote Carmel Valley CA – One of the Last Things People Think When Considering Long-Term Care Insurance

Every time you came to an intersection, whether there was a stop sign or traffic light or not, you assumed every car approaching from another direction was going to pass in front of you. It kept you driving slow. You were so diligent in your effort that, in your 40’s or 50’s, you had never been involved in any type of accident, fender bender or otherwise.

Now, imagine the laws changed and you no longer had to carry automobile insurance of any kind.

Would you drop it? Many people would, especially those who view themselves as excellent drivers. You’ve been diligent, you’ve taken extra care and given your car extra space from the vehicles around you. You’ve gone a little bit slower instead of trying to rush wherever you needed to go.

As a diligent driver, you understand how treacherous the roads are, so it may still be important to you to carry it, even though it was no longer required by law. This is a hypothetical situation and there is no indication that this would ever come to pass, but it is meant to highlight an important thing.

When people assume they would never need a certain type of insurance and it is not required by law, they would usually prefer not to carry it. It’s an extra expense, as most people may think about it.

The same can be said about long-term care insurance.

Most people never envision themselves relying on a caregiver of any kind. They never imagine their spouse, parent, or even adult child taking care of them. They can never envision a possible scenario in which they’re hospitalized and face an incredibly long recovery process. They can never imagine being permanently disabled and requiring a home care aide, for example, four years on end.

They’re diligent in their life, safe in their efforts, and nothing really enters their thoughts as far as being disabled or facing serious health issues.

That’s why most people don’t think about long-term care insurance.

It’s just not something that’s deemed necessary. This is especially true for younger, stronger, healthier adults. However, like health insurance, in the event something does happen, long-term care insurance can protect personal assets, family, and so much more. Just because it’s not required by law doesn’t mean it’s not worth the investment and getting a quote from us.

If you or a loved-one are considering Long-Term Care Insurance Quote Carmel Valley CA, please contact Steve Elliott at Capstone Insurance for an honest discussion about your future and your options. Call today (858) 350-3161.

Steve Elliott
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