Long Term Care Series – Part 4: Preserve Your Choices

Patrick Cloyd has already shared with us the financial importance of long-term care (LTC) and illustrated the gamble one takes by not having it. As I mentioned in a previous post, my family has scars on our backs from not having this important protection.

In the final part of our series on LTC insurance, Patrick asks you to consider some critical questions as you decide whether or not LTC insurance is right for you.

Preserve Your Choices with Long-term Care Insurance

By Patrick Cloyd
State FarmĀ® agent
Patrick@cloydagency.com
(410) 766-4488

Choices. Most people value the ability to make choices. Whether choosing the car you drive or where you live, choices mean flexibility. You probably want that same flexibility when making choices about your future – especially when it comes to health care. Having long-term care insurance will help preserve your ability to make these important choices.

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Long Term Care Series – Part 3: Gambling on LTC

In the third part of our series on long-term care (LTC) insurance, Patrick Cloyd shares with us a real-world example of the gamble one takes by not having long-term care insurance.

Here’s Patrick’s article:

Gambling on Long-Term Care:
Study shows many not prepared for likely need

By
Patrick Cloyd
State FarmĀ® agent
Patrick@cloydagency.com

(410) 766-4488

A 48-year-old father of two is left with permanent injuries after an auto accident. A 66-year-old recent retiree suffers a serious stroke. An otherwise healthy 75-year-old grandfather falls and breaks his hip. These people have one thing in common. Quite unexpectedly they’re each likely to need some form of long-term care, through nursing care at home, in a nursing home or at an assisted living facility.

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