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There's so much you want to do in life - retire comfortably, maintain your independence, spend time with family and friends. But realizing your goals requires proactive planning, including taking into account how the need for long-term care may impact your financial security, your lifestyle, and your family's well being.
Long-term care (LTC) insurance is important coverage that provides valuable support and financial resources that help cover the cost of long-term care you might need in the event of an illness, accident, or through the normal effects of aging. By helping to protect your assets, and giving you choice and control over where you receive care—including in your home—LTC insurance helps you and your family face the future with confidence.
Did you know that:
Women especially need to think about long-term care, because women are more likely to reach an age where long-term care is needed.
The average monthly costs of care in Massachusetts4 for 2013 were as follows:
We offer Long Term Care Insurance to our Massachusetts clients through John Hancock Life Insurance Company, a leader in the industry. John Hancock currently offers the Custom Care III product policy, which offers a broad set of built-in benefits and optional features that enable you to build a policy to suit your specific needs and budget.
A long-term care insurance policy helps protect your assets by providing you with a pool of money to help cover the cost of care. You have the ability to choose where to receive care. You can take comfort in knowing that the policy covers care in a wide range of settings, such as Adult Day Care, Home Health Care, Assisted Living Facilities, Nursing Homes, and Hospice Care. And most importantly, having a policy may reduce the burden of care that may often fall on family members.
To learn more, click the following links:
John Hancock Custom Care III featuring Benefit Builder
Massachusetts Long Term Care Buyers Guide, Jan 2009
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