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Long-Term Care Insurance

This program is available to Massachusetts Agents ONLY and for their clients if desired.

It’s never too early to think about Long Term Care Insurance…

You probably know the statistic that 1 person out of approximately 1,200 will have a homeowners claim, and 1 person out of approximately 240 will have an automobile claim, but what you probably don’t know is that there is a 1 in 2 chance that you could need long term care in your lifetime!

As an insurance professional, you understand the nature of risk.  Long term care is the greatest uninsured risk we face. Without a long term care insurance policy, the savings you’ve accumulated over a lifetime could drain very quickly, even for the affluent. 

So why do people make the decision not to purchase this important insurance protection?  Here are just a few of the long term care myths:

It will never happen to me!    

Maybe you are the lucky one who will dodge the long term care bullet, but the odds are not on your side. At age 65, 1 out of 2 people will need some kind of long term care.  Prior to age 65, you could have a freak accident, a stroke, MS, complications from Diabetes, Cancer, and the list goes on and on. Long term care scenarios happen to real people.

I'm already covered!         

Long term care isn’t considered medical care  which means that your health insurance won’t pay for your long term care needs.  If you’re 65 or older, Medicare limits coverage to 100 days.

My children will take care of me! 

If you are lucky enough to have your adult children living near you, they are probably working full time and raising children of their own.  Is it realistic to think that they can stop the merry-go-round to get off to take care of you? 

My wife/husband will take care of me!         

Even if your wife/husband is a nurse, a reality check finds this to be impractical and maybe even impossible.  Could you physically take care of your spouse/partner alone?

It's too expensive!     

Long term care insurance is one of those products that you know you should have, but can’t imagine being able to afford.  The reality of the situation is that without owning a long term care insurance policy you face a serious threat to your financial independence that can blindside you.

It’s easy to put off some of our more sensitive decisions because we naturally resist a subject as emotional as long term care.  If you’ve had a family member who needed care then you understand the emotional and financial toll it takes.  Because you don’t have a crystal ball you can’t know what is up ahead.  We could be healthy today and yet things could change tomorrow. Enjoying a long life means that Long term care insurance is a necessity.  You hope you’ll never need to use it, but it’s good to know it’s there!


Number One Insurance Agency has a way to help you protect your health, your wealth, and your independence.
Talk to Tobe...
She will make LTCi easy to understand and easy to evaluate.

Interested in Getting Started? Please Contact...

Tobe Gerard, LIA, CLTC, MBA, MLS
841 Worcester Street, Suite 531
Natick, MA 01760
508-653-8110 phone
tgerard@tobegerardinsurance.com