A lot of us in Louisiana and along the Gulf Coast learned the importance of having flood insurance the hard way. We should be careful not to make the same mistakes in other aspects of our lives.
You care about financial security and you plan for retirement, but have you considered your future long-term care needs? According to the Department of Health and Human Services, over 70% of individuals over 65 will require some long-term care services. Unfortunately Medicare and traditional health insurance programs do not cover the majority of expenses incurred, and you will have to pay most of the costs out of pocket.
Long-term care insurance is designed specifically to provide you with assurance as you age, so you can be confident knowing that you will not be a burden to your loved ones. Different policies offer a choice of benefits and options, and coverage can be tailored to meet your needs and budget.
Planning for your future means considering all eventualities, and I encourage you to make sure you and your family are protected.
