Long Term Care Alternatives

As part of your insurance portfolio, long-term care insurance provides funds for care when it’s needed, substantially reducing the need for using personal assets to pay for long-term care costs. Home long-term care can cost as much as $200 per day, and approximately 40% of those receiving long-term care services are adults between the ages of 18 and 64.

The exorbitant cost of long-term care is one of the most overlooked costs of retirement. Private long-term care insurance can help family members:

• Protect their income and assets
  
• Stay at home when they need care
  
• Maintain their independence
  
• Avoid dependence on family members
  
• Access high quality health care
  

The RBR team can help you protect your assets and plan for the financial shock of long term-care costs during the retirement years with affordable long-term care solutions. We believe in using life insurance contracts, with long term care riders, to meet this ever important need, so that either you or your heirs, receive a benefit from the dollars spent towards this need.