Why You Should Consider Long-Term Care Insurance

Protect Your Future. Preserve Your Independence.

As we age, the chances of needing help with everyday tasks—like bathing, dressing, or simply getting around—increase significantly. While no one likes to imagine losing their independence, planning ahead with long-term care insurance can make all the difference for your comfort, dignity, and financial security.

💡 What Is Long-Term Care Insurance?

Long-term care insurance helps cover the cost of extended care services that regular health insurance or Medicare often do not pay for. These services include:

• Home health care

• Assisted living facilities

• Nursing home care

• Adult day care

• Personal care assistance (bathing, eating, dressing)

These services are not just for the elderly—accidents, chronic illnesses, or disabilities at any age can result in the need for long-term care.

🚨 The Costs Are Real—and Rising

Long-term care is expensive. Depending on where you live, a private room in a nursing home can cost over $100,000 per year. Home care costs can easily reach $50,000 annually, and those expenses aren’t typically covered by health insurance or Medicare.

Without insurance, many families are forced to:

• Drain retirement savings

• Sell property or assets

• Rely on children or loved ones for financial and personal care

• Make difficult decisions under stress

❤️ Plan Now. Protect Your Loved Ones Later.

Long-term care insurance does more than protect your finances—it protects your family from having to make painful decisions or carry the burden of caregiving alone.

It ensures:

• You receive the care you need, in the setting you prefer

• Your spouse or family won’t be forced into the role of full-time caregiver

• Your legacy, savings, and independence are preserved

✅ When Should You Buy Long-Term Care Insurance?

The best time to buy is typically in your 40s to early 60s, when you’re still healthy and likely to qualify for more affordable rates. Waiting too long could mean higher premiums—or worse, being uninsurable if your health changes.

Let’s Make a Plan That Works for You

At Ronstadt Insurance, we’ll help you compare top-rated long-term care options to find a plan that fits your needs and budget—so you can focus on enjoying life now, while knowing your future is secure.

📞 Call us today at (520) 721-4848
Let’s talk about how long-term care insurance can fit into your overall financial strategy.