My mom and stepfather had to sell their home and move closer to family because they can’t afford to put my stepfather into memory care. If they had planned for Long Term Care expenses, they could have paid for a home health aide and remained in their home.

Shontee

Watching my dad’s decline made us realize the value of Long Term Care Insurance—don't wait to secure your peace of mind.

Ian

My parents were elderly, but they seemed to be getting around fine on their own. After my dad fell and tore his meniscus things changed. My dad could no longer move around the house and take care of himself, and we knew my mom couldn’t take care of him alone. I’m grateful they had Long Term Care Insurance as it gave them and us children peace of mind. Their policy helped get them into an assisted living home which allowed my dad to get the custodial care and assistance he needed without relying heavily on the family to take care of him.

Joyce

After my mom took care of my dad for several years, she went out and bought LTC Insurance for herself. She even had the foresight to choose the inflation option. With that insurance, Mom was able to “keep her independence” (as she put it), by having 8 to 16 hour a day home health care for many years. Mom and we kids were ever so thankful that she had that insurance!

Pat

At 27 I was getting married, well entrenched in my career path, and making all the adult decisions in life. One of those decisions was to purchase a Long Term Care policy. I had no chronic conditions, no concerns about impending disease nor did I think I would need the policy until well into the future (like my 401k). At age 39 this dramatically changed. I couldn't write, my balance was off, and I was seeing double – this was diagnosed as Multiple Sclerosis. My early decision of preparing for the future meant I have total choice on how I receive care, and it also means I do not burden those I love with care needs. If I had waited to purchase a policy until I was 40, I would have been uninsurable.

Laura

Long Term Care Insurance is vital but often overlooked. It protects individuals and families from the financial and emotional stress of providing care for a loved one. A lack of coverage can burden families, as seen with my brother-in-law's situation. Having a policy allows for professional care, reducing the family's load. Planning with Long Term Care Insurance ensures quality care and peace of mind.

Mark

People with adequate cash flow and/or Long Term Care Insurance can remain in their home and avoid nursing homes. My mother’s Long Term Care Insurance policy combined with her Social Security and investment income provided her with the necessary income to remain safe in her home during COVID – at a time when nursing home residents were dying at record levels.

Anonymous