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Long-term care is an important issue we could all potentially face, and planning for it should be part of your overall financial plan.
Q. Do I really need long-term care insurance? What about Medicare and Medicaid?
A: Long-term care may not be something you are thinking about right now, but you should. Long-term care is an important issue we could all potentially face, and planning for it should be part of your overall financial plan.
A long-term illness could impact your finances, lifestyle and your future. Are you prepared if something should happen? Long-term care insurance covers care received at home as well as in a nursing home. To depend on the government to pay these expenses – whether through Medicare or Medicaid – may not be a feasible option. Medicare provides very limited coverage for long-term care, and Medicaid generally applies to only those with very limited assets.
If you are interested in finding ways to lessen the concerns of dealing with unexpected health care needs, I will be more than happy to answer these and other long-term care questions you may have.
Bell Investments VP/Wealth Advisor
This article is intended to assist in educating you about insurance generally and not to provide personal service.
Securities and financial planning offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Bell Bank and Bell Investments are not registered broker/dealers and are not affiliated with LPL Financial. The investment products sold through LPL Financial are not insured Bell Bank deposits and are not FDIC insured. These products are not obligations of the Bell Bank and are not endorsed, recommended or guaranteed by Bell Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.
This LPL financial registered representative may only discuss and/or transact securities business with residents of the following states: Ariz., Ark., Calif., Colo., Fla., Idaho, Ill., Iowa, Maine, Minn., Mo. Mont., Nev., N.C., N.D., Ore., S.D., Texas, Wash. and Wis.
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