Long Term Care Insurance for New Hampshire NH, Massachusetts MA & Maine ME

An extended physical ailment caused by either an accident or illness at any age affects families like nothing else can. The toll it takes emotionally, physically and financially can be catastrophic.

In your peak income years you protect against such losses with disability insurance and a nest egg, not that you thought anything like that would happen.

Statistically, for the most part, you were right.

In the retirement years, the emphasis changes to the what if of being too ill to care for myself or me caring for others.

There are only three ways of paying for this type of care:

• Current Income
• Medicaid/ veterans
• Long Term Care Insurance

Assets can be used for care but at the expense of income or net worth.  A depleted asset base leaves less income for a spouse, a leaner emergency contingency or a legacy for the children or grandchildren that is less than you hoped for.

What you do now and how it is done can make all the difference, in the unlikely event, you were unable to care for yourself. 

We can help you and your family find the answers to these and other questions concerning the age related issues you may have.

Contact us today for more information about Long Term Care Insurance for New Hampshire NH, Massachusetts MA & Maine ME

LTC: It is not about you!

The informal caregiver’s dilemma

The totality of the problem is poignantly summed up in a quote from the Emmy award winning PBS documentary, “And Thou Shall Honor”.

When asked what providing care for her husband who has Alzheimer’s was doing to her family, (the woman being interviewed) replied.

“When I got married I never really understood the vow “in sickness and in health”. Now I do, his sickness, my health. For it to be easy for me, it would have to be over for my husband; that’s unacceptable. I often wonder: will there be anything left of me when he passes away; will there be anything left for me?