Long Term Care

As life expectancy increases, planning for long-term care is becoming a key component of financial planning. Long-term care insurance helps cover the costs of services that assist individuals with daily activities, such as bathing, dressing, and eating. These services are often provided in a home setting, assisted living facility, or nursing home. At Rukhsana Lakhani Insurance Agent, we help you prepare for these potential healthcare costs, ensuring you’re not financially burdened by long-term care needs.

Without long-term care insurance, these costs can be a heavy financial strain. The expenses associated with nursing homes, home healthcare, and assisted living facilities are often not covered by health insurance or Medicare. This leaves many individuals having to dip into their savings or rely on family members for financial support. With long-term care insurance, you have the security of knowing that if you require assistance, you won’t have to compromise your financial well-being.

There are different types of long-term care policies available, and we help you evaluate your options. Traditional long-term care insurance provides a straightforward benefit, paying out for services when you need them. Hybrid policies, on the other hand, combine life insurance or annuities with long-term care coverage, offering more flexibility.

We understand that each individual has different needs and preferences when it comes to care. Whether you prefer to receive care at home or are considering the possibility of moving to an assisted living facility, long-term care insurance helps cover the associated costs. Additionally, having coverage in place can provide peace of mind for your loved ones, ensuring they won’t have to shoulder the financial responsibility of your care.

At Rukhsana Lakhani Insurance Agent, we aim to help you find a long-term care policy that fits your lifestyle and financial goals, so you can focus on enjoying life with confidence.