LONG TERM CARE

The benefits of planning for long-term care include:

Peace of mind

Maintaining independence at home

Preserving your dignity and quality of life

High quality care

Protecting your assets

Minimize burden

W. Spencer Retirement Solutions offers many solutions through several insurance companies for long-term care, including:

Long-term care insurance

Home care insurance

Life insurance with long-term care benefits

Annuities with long-term care benefits or riders

Keep in mind, Medicare and Medicare Supplemental policies do not cover most long-term care expenses, but W. Spencer Retirement Solutions helps clients find long-term care solutions to reduce the financial impact of excessive long-term care costs.

You truly don't have to spend a lot of money to plan for this. There are many options to consider. The key is to be sure you and your family discuss and be educated as to what Medicare and your Supplement will and won't do, as well as what's available in the community if and when the time comes when you need care. You don't want you and your family to be caught unprepared.

Insurance isn't always the answer, but you should know what your options are to plan for care.
 
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