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When the Inland Empire Needs Long-Term Care Insurance, They Call Our Firm

Many of us will require the assistance of a caregiver towards the end of our lives. Planning for this stage of life, often in the form of long-term care insurance, should be a critical part of every retirement plan. As part of our fiduciary and RICP services for the people of the Inland Empire and Orange County, Safe & Secure Retirement helps you find the insurance plan to cover outliving your wealth. 

Long-term care for the elderly is expensive. Some home health care plans could cost more than $50,000/year, and nursing homes are often more than $80,000/year. Medicaid will not cover everything, and no major medical insurance offers long-term care coverage. Unless you have planned ahead for long-term care, your finances could dry up during this potential period of life.

LTC(long-term care) insurance plans were designed for people who are as concerned about outliving their good health as they are outliving their wealth. There are two types of LTC insurance: traditional plans and asset-based plans. Traditional LTC insurance is a policy that must be used for its intended purpose within your lifetime. If you do not use it, all funds invested within it are lost. In contrast, asset-based insurance is an asset that remains within your portfolio. If you never use it, the money returns to your family.

We Offer Long-Term Care Planning for Orange County

Long-term care insurance has become more affordable and easier to qualify for. Safe & Secure Retirement helps you find the right traditional or asset-based long-term care insurance plans to fit your lifestyle. Asset-based long-term care differs from traditional long-term care in that it’s not a use-it-or-lose-it type of insurance. If you need long-term care, there is a pool of money to draw from. If you never need long-term care, the money can return to your beneficiaries. By adding asset-based care insurance to your portfolio, you’re protected either way.

The Safe & Secure Retirement team is standing by to take your call. Contact us today to learn more about long-term care insurance.

Asset-based LTC is life insurance or an annuity that includes some benefits for long-term care needs, subject to certain requirements to access benefits

Advisory services are offered through Retirement Investment Advisors, a Registered InvestmentAdvisor in the State of California, Retirement Investment Advisors, a SEC Registered InvestmentAdvisor. Retirement Investment Advisors and Safe and Secure Retirement Insurance Services are notaffiliated with or endorsed by the Social Security Administration or any other government agency.Insurance products and services are offered through Safe and Secure Retirement Insurance Servicesan affiliated company.

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