Today, one in five Americans over 65, and almost half of those over 85, need assistance with everyday activities. If you or a family member needed long-term care services, would you be able to afford the costs of a nursing home or home care?
Two visits a day by a home health aide can cost more than $2,500 a month. A one year stay in a nursing home averages $45,000. Long-term care insurance protects your retirement savings from being wiped out and should be part of a sound retirement plan.
When considering which policy to purchase there are many options from which to choose. An insurance professional can guide you through the maze of choices so that you have the best policy to meet your individual needs.
Ask if the insurance companies that professional represents are members of IMSA-the Insurance Marketplace Standards Associa-tion-a voluntary organization that promotes ethical market conduct for companies that sell individual life insurance, annuities and long-term care policies.
To learn more, visit IMSA's website at www.imsaethics.org.
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