LONG TERM CARE
The benefits of planning for long-term care
Peace of mind
Maintaining independence at home
Preserving your dignity and quality of life
High quality care
Protecting your assets
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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