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Low Cost Life!

Ron Gambardella

Independent Agency

Serving Families Since 1999

www.rongam.com

 

 

Long Term Care (LTC)  

 Do you have questions relative to the State of Connecticut’s Title 19 program? Please click here to email us your questions or call us today!

What will happen if you or someone you love are among the two-thirds of Americans who will require some sort of long-term care? If you don’t think that's a question you need to answer at this stage in your life , think again.
 

The smart alternative - Long-term care is the physical and emotional assistance given to anyone who needs help with normal activities of daily living, in addition to the services offered by home care organizations and nursing homes. Normal activities of daily living include eating, dressing, bathing and getting around. Unfortunately, though, Medicare and your own health insurance plan simply aren’t designed to pay for the care a dependent individual requires.


The cost of caring for a person in a home in Connecticut is now $7,400 per month and is rising yearly
, making long-term care insurance not just a wise investment, but also a necessary one. 

With this long-term care, you not only get the peace-of-mind of top-quality insurance coverage, you also get an affordable way to take control of your future. Plus, qualifying long-term care insurance premiums are tax-deductible. within limits. Additionally; benefits received are usually tax-free.

The power to protect your future - Put simply; long-term care insurance gives you long-term protection. That’s why it’s important to work with an insurance agency that has the experience and hands on licensed professionals to take care of you and your loved ones when you need help figuring out which plan is best for your situation.

Request a quote for long term care insurance

“Click the link below for the latest quarterly results for the State of Connecticut Long Term Care Partnership Program. Don’t hesitate to contact us with any questions.”

http://www.opm.state.ct.us/pdpd4/ltc/advisor/

news4-2003.htm

 

 

          

Long Term Care

LTC Quotes

   

The Connecticut average nursing home cost is $88,000 per year.,
(Source: Connecticut State Partnership for long Term Care)

48.6% of people age 65 and older may spend time in a nursing home and 71.8% of people in the same age group use some form of home health care.
(Source: Long-Term Care: Knowing the Risk, Paying the Price, Health Insurance Association of America 1997)

10,000,000 to 15,000,000 Americans will need some form of long-term care by the year 2,000.
(Source American Academy

of Actuaries, 1997.)

22,400,000 families have some responsibility for providing care to a person over the age of 50
(Source: AARP, 1997)

 

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