Long Term Care Insurance Insurance Concepts

When you get older, will you need someone to take care of you?

If so, who will that be? Your Spouse? Children? Relatives or friends? Your Community?

Are they qualified? Do they want the job? Will the strain of care-giving change your relationship?

Everyone expects and wants Dignity Freedom of Choice Independence Quality of Life

No one would like to become a burden to loved ones and family.

Costs for Long Term Care Certified Facilities $1000 - $1500 per month(after subsidy) Not including: TV Telephone Clothing Entertainment etc

Private Facilities Home Care $1000 + per month Up to $5000 per month. (depending on how much care is required) such as nurses, housekeeping, meals etc.

How do you pay for these costs? Your current or retirement income may be enough to cover the monthly costs, depending on the level of care you need.

But……… If your income is not enough to cover the monthly expenses….. Where will it come from? Savings? RRSPs? Sale of your home? Your children?

Do you want to protect: Your current and future assets? The well being of your spouse? Your children’s inheritance?

Long Term Care Insurance The answer?

Long Term Care Insurance What will it do for me? How does it work? How much coverage do I need? Can I afford it?

Long Term Care Insurance Provides you with daily care at home, or in a facility of your choice, Provides financial assistance so your assets don’t deplete, Allows you to retain your independence without having to rely on family and friends, Keeps your children’s inheritance intact.

How does it work? Long Term Insurance will pay you a benefit to provide you with care at home or in a long term care facility of your choice.

How much coverage do you need? We will complete an analysis of your financial situation to determine how much coverage is appropriate for you

Can I afford it? We can tailor a plan to accommodate your budget and income.

More importantly, can you afford not to have Long Term Care Insurance?

Long Term Care Insurance Thank You For more information…. Tel (403) 239 3850 Email:info@insuranceconcepts.ca