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LONG TERM CARE INSURANCE

Be Prepared With Long Term Care Insurance

Long-term care is a family issue and can have a devastating effect on the family and even the best thought out retirement plan. Nothing will pay to protect the family and retirement plan except Long-Term Care Insurance other than your hard earned savings.

Policies pay benefits in one of three ways:

Reimbursement: actual expenses paid up to the policy daily benefit.

Indemnity: Once you are receiving eligible benefits, you receive your policy maximum benefit regardless of how much is spent.

Cash benefit: Once eligible, you receive your policy maximum benefit, even if no services are being used.

Long-term care insurance helps you:

• Maintain flexibility - care can be given at home or in a facility
• Protect assets and savings
• Avoid burdening friends and family
• Retain independence
• Preserve quality of life
• Stay at home as long as possible

Contact: Davis J. Rieman Jr., CFP 201-661-2347
drieman@capcoverage.com