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Chances are, you've saved for retirement and have the coverage you need for medical care. But what if you develop a physical or mental impairment someday and need assistance with routine daily activities, such as bathing, dressing, or eating? Who would help you? What would it cost?

Long-term care is the everyday help a person may need due to an injury or illness, mental deterioration, or advancing age. The need for long-term care is not limited to the elderly. Accidents and unexpected illnesses can happen at any time, any age. The risk may be greater than you expect. This year, about 9 million Americans over the age of 65 will need long-term care services. By 2020, that number will increase to 12 million. While most people who need long-term care are age 65 or older, a person can need long-term care services at any age. Forty (40) percent of people currently receiving long-term care are adults 18 to 64 years old. About 70 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime. Over 40 percent will need care in a nursing home for some period of time. (U.S. Department of Health and Human Services)

Long-Term Care insurance can't prevent you from ever needing long term care, but it can help you protect yourself and your family from the financial impact. As you will see from the information we present, it is an issue that bears consideration. Please take the time to learn more about this coverage and the valuable protection it provides.