By the year 2030, *one in five Americans will be a senior citizen. While Americans are living longer and healthier thanks to better diets, better medicines, and better working conditions, no one is entirely immune to the effects of aging. (*Source: http://www.prcdc.org/300million/The_Aging_of_America/)
Will you have the money you need if you get sick or injured and need long-term care?
Anyone with even a small amount of experience with an elderly person who has Alzheimers, Parkinsons, a stroke or other debilitating illness can appreciate the financial devastation that results when round-the-clock care is inevitably required.
This is the reason long-term care insurance was developed – we want to protect ourselves from becoming a burden to our family and friends. At the Nowell Agency, your need for independence is what drives our commitment to giving you the best coverage.
Finding the Right Long-term Care Insurance in Mississippi
According to experienced insurance adjusters, the persons who are most at risk of needing long-term care are those who:
- are elderly
- are a woman
- are unmarried
- have a poor diet
- have poor exercise habits
- smoke cigarettes
- have a family history of degenerative diseases
It should be noted that some physical activities cause injuries that can also be included as definitive risk for causing long-term care needs.
Call for more information about Mississippi long-term care insurance or request a quote online.
The Price of Independence
Most Americans expect a certain, acceptable quality of life throughout their lifetime. They also expect to have the freedom to make their own choices about how they are cared for and by whom. That independence, however, comes at a price and while most Americans suspect they may someday need long-term care, they also underestimate how much that care will cost. Most also assume that Medicare or their health insurance will pay for extended care.
Unfortunately, this is not true – both health insurance and Medicare typically pay only for short-term care (in specific circumstances).
The Value of Long-term Care Insurance in Mississippi
The value of having long-term care insurance is that it:
- Supports independent living at home or at an assisted living facility
- Protects loved ones from the burden of daily care giving>
- Gives the insured the freedom of options
Long-term care insurance pays for the out-of-pocket costs of receiving care – even when your care giving needs increase. As your illness progresses, you don’t have to worry about becoming a burden if you are sick or injured – even if that occurs at an early age.