Long Term Care Insurance Are you prepared for the road ahead? Will you have choices when you need them the most? Long term care has become an essential part of every adult's financial plan. If you know someone who lives in an assisted living facility or retirement home you're already familiar with the need. Most people think that Medicare or Medicaid will provide coverage at this stage in life. What they don't realize is that Medicare generally pays only a small part of overall long term care costs and was never designed to pay for extended care. In order to qualify for Medicaid most people are required to 'spend down' their life savings to a mere $2,000 in order to qualify. Neither Medicare nor Medicaid are the answer. If you have assets that you'd like to pass on to your heirs, long term care insurance is a must. Not enough can be said for the peace of mind that comes from maintaining your independence. Protect your assets and ensure that you never become a burden to your friends and family. Long Term Care. The choice is yours. | 
