Long-Term Care Insurance: Help When You Need It

• Plan Ahead

  There often comes a time in life when our bodies just won’t cooperate the way we’d like them to. Everyone hopes to be well into their sunset years before they have to worry about nursing homes, care facilities or in-home health care. But preparing now, while you’re still independent and strong, is a good way to ensure you’ll have better options, should you experience a need for long-term care and assistance.

• Peace of Mind

  Depending on your circumstances, government programs may not be an option, and you may face using your own assets to pay for care. Long-term care insurance can provide you the funds to get quality care at home or in a facility when you need it, without depleting your savings account.

Coverage

If you don’t qualify for government-funded programs such as Medicare or Medicaid, and you don’t wish to deplete your assets to pay for living assistance, a long-term care insurance policy may be a good option for you.

• Protection for Tomorrow

  Long-term care insurance must be purchased before you need it. The younger you are, the lower your premium will be, and you can decrease the chance of becoming uninsurable at a later date. If you wait and medical issues arise, you may need to liquidate your personal assets to cover your care needs, or rely on government programs.

• Coverage Under One Roof

  Your Farm Bureau agent can help ensure your long-term care insurance complements your other insurance coverage, such as health insurance, life insurance for you and your family, home insurance, car insurance, and business insurance.