Long-term care for a sick or injured person is very costly. Long-term care insurance can help.

It is true that older people typically have the greatest need for long-term care services, from medical and nursing care to literally every type of assistance a person or a family might need when someone has suffered a serious injury or a debilitating illness. But young and old people alike can be injured or get sick, and the financial consequences can be devastating.

Professional medical care, nursing homes and home health care can be extremely costly. What would you do if you or someone in your family needed this type of care for a long period of time? Health insurance pays for some types of care, but there are limits. In addition, you want to ensure that you or your family member receives the best care possible.

That’s where long-term care insurance comes in. Long-term care insurance helps to cover the costs of long-term care for yourself or a sick or injured family member. Coverage typically includes:

  • Nursing home care
  • Home health care, including nursing care, physical therapy, home health aides and housekeeping services
  • Adult day care
  • Respite care for the caregiver

Strate Insurance Group can help you find long-term care coverage.

Don’t assume that because you are young, you do not need long-term care insurance. And the younger you are when you purchase long-term care insurance, the lower your premiums will be. Don’t wait until it is too late.

Contact us at (423) 318-5800 for more information about long-term care insurance.