Ensure We Have Protection for The Long-term Care We May Need

When protecting your retirement savings from the costs of long-term care in retirement, you want choices, not restrictions.  How confident are you that you can cover the unexpected?

Part of living well is planning.  Ask yourself:

  • Why may I need professional care services in retirement?
  • Will my savings be enough to meet the costs I may face?
  • What options are available to help me pay for care if needed?

70% of people turning 65 CAN EXPECT to use some form of LONG-TERM CARE during their lives.
 -  2020 US Department of Health and Human Services (www.longtermcare.gov)

Long-term care insurance extends beyond health insurance by reimbursing for services required to assist individuals who have difficulty caring for themselves due to age, injury, illness, or cognitive impairment.

Long-term Care may benefit:

  • Families who want to help protect their loved ones, lifestyle, and assets.
  • Retirees and Pre-retirees who want to preserve and maintain their savings and assets.
  • Individuals who may not have someone to care for them or significant assets to pay for these costs.

Government programs such as Medicare and Medicaid may not cover all future long-term care needs. They often pay for some services, but they come with many restrictions.

Prepare for your Future Today

There are many different types of insurance for long-term care.  Which one is right for you?

These include:

  • Stand-alone nursing home care plans
  • Short-term nursing home stays
  • Annuities with long-term care features
  • Prescription drug plans
  • Medicare plans and supplements
  • Home health care plans
  • Traditional long-term care insurance policies
  • Hybrid long-term care insurance policies
  • Life insurance with long-term care riders
  • Long-term care coverage as part of a life insurance plan.

Prepare for your Future Today. Call or book a one-on-one meeting with Cheri Lucking at Lucking Life Insurance to have your questions answered and explore your long-term care options.

Call today to coordinate the Care You Need

720-422-8924

or
Book an online One-on-one with Cheri Lucking - Download My Business Card

 

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Disclaimer: This content was generated using AI and Human Verification.

This article was generated with the help of artificial intelligence (AI).  AI-generated content may occasionally contain errors or misleading information.  The information above is provided for educational purposes only and does not constitute insurance, tax, or legal advice.  It is not a recommendation or solicitation to buy insurance. Please consult with your licensed insurance agent at Lucking Life Insurance for more information about life insurance and your specific needs. Please consult with the appropriate professional for tax or legal advice.  The claims-paying ability of the issuing insurance company backs guarantees.

Article Author:

Cheri Lucking, CEO of Lucking Life Insurance, and Peter Lucking, Co-author/Web design, CEO, Content Branding Solutions

“Lucking Life Insurance is for Families looking for Mortgage Protection, Life Insurance, Retirement Income, Medical, Medicare Supplement policies, and Healthcare Plans to:  Protect the ones you love – With Life Insurance Plans that are as unique as you.” – Cheri Lucking

Cheri Lucking Bio:

She is a published author and has held various roles in advertising, marketing, communications, sales, distribution, and product branding and development.  Cheri lives with her husband Peter and their dog Coco.  Cheri enjoys cooking, gardening, hiking, and wine, although not always simultaneously.  She loves music and is an avid reader,

She would tell you, “I cannot live without books.” Cheri agrees but would add cheese, the Food Channel, and nature to that list.

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