Plan for the Future With Long-Term Care Insurance

As we age, the need for extra care can become a reality. Long-term care (LTC) insurance provides financial protection for services like in-home care, assisted living, or nursing facilities, ensuring you’re prepared for the future without burdening your family.

When Is Individual LTC Insurance a Better Choice?

Employer-provided LTC insurance can be expensive and may not offer the best value. Individual LTC policies often provide better coverage at a lower cost, especially with these discounts:

• Good Health Discounts: Healthy individuals can qualify for significant savings—often around 10%.
• Spouse/Partner Discounts: Couples can save up to 40% by bundling policies, reducing costs compared to single policies.

Cost of Individual LTC Insurance

The cost of LTC insurance depends on your age, health, and whether you purchase coverage as an individual or couple. Planning early can save you money while ensuring you have the right coverage when you need it.

At Fortunata Agency, we’re committed to finding you a policy that fits your needs and budget, giving you peace of mind for the years ahead.