Many of us begin planning for the New Year as we headed through December. Some of those plans will obviously include resolutions, things we wish to change, but they can and often do involve finances. One topic that easily gets overlooked when planning for one’s future, especially with a family, is long-term care insurance. This would be a good time to get a long-term care insurance quote.
Why is this overlooked?
One of the main reasons is most people never think long-term care is going to be necessary. They may be strong, fit, and healthy right now and couldn’t possibly envision requiring a nursing home, assisted living facility, or even home care aides coming to their house on a regular basis for even a few days, let alone months or years.
However, long-term care might be necessary at some point in the future.
In fact, every year older a person gets they run a greater risk of some serious health issues and other complications happening that might require extended care and support. On top of that, every morning a person wakes up and climbs out of bed they expose themselves to an increased risk of accidents.
Interview any person involved in a serious accident and they will most likely admit they never saw it coming, never expected it, and never in their wildest imagination could believe this would happen to them.
The majority of people who rely on long-term care are seniors.
That is certainly true, but just because you might be in your mid or late 40’s or even your early 50’s, that doesn’t mean you can keep putting this topic of long-term care insurance off. The earlier you begin the policy, the more you protect your finances and your family in the event you or somebody dependent on you requires this type of care.
The time to look in to a long-term care insurance quote is sooner than later.
Also, the sooner you get a log-term care insurance quote and then begin a policy, the more affordable it is on a monthly basis. As we begin making plans for the holiday season, to visit with family, and to look forward to the New Year, new possibilities, and new hopes, it’s a good time to reevaluate your financial health, your financial future, and the future of your family and those who depend on you.
If you ultimately decide long-term care insurance isn’t necessary for you at this time, you may have parents, friends, or other relatives who could benefit from this valuable insurance. It’s commonly overlooked, but as the baby boomer generation is now retiring and placing increased demands on home care, nursing homes, and assisted living facilities, it is going to increase the price of these services, too. That’s just one more reason why long-term care insurance is so vital.
If you or a loved-one are considering Long-Term Care Insurance Quote in Carlsbad CA, please contact Steve Elliott at Capstone Insurance for an honest discussion about your future and your options. Call today (858) 350-3161.
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