Michigan Long Term Care Insurance

Without Michigan Long Term Care Insurance, (factoring in inflation) your out-of-pocket expenses can easily run between $30,000 to $100,000 per year.

Covering those costs over a two or three year period can quickly burn through your life savings. This can have a profound impact on your retirement plans, your family and your peace of mind.

Planning ahead with a Michigan Long Term Care Insurance policy can give you more worry-free years.

It’s an easier and simpler way to face your future with confidence.

Easy as 1, 2

Step 1. Determine if you are insurable.

Step 2. Request your free Michigan Long Term Care Insurance Quotes

• I want to protect my assets and income What assets or income would you lose if you needed long term care starting tomorrow?

• To protect other members of my family Protected with the coverage of a LTC insurance policy, you have the satisfaction of knowing that your life savings and assets will still be available to assit other family members with their needs. Example: A college fund for a grandchild.

• I do not want to be a burden Good planning means your children do not have to worry about changing their life plans in order to become your caregiver or pay for your long term care.

• I am able to stay at home Most of long term care is at home care. If you have the means to pay for LTC then you have the choice. Moving to an assisted living facility or being cared for in your own home.

• I want to retain my independence You have worked hard all your life. You want to be able to maintain your lifestyle. The purchase of LTC insurance supports that hard-earned independence you cherish.

• It is important that I remain in control Because a LTC policy provides the funding you need, you are able live where you want and choose your caregivers. You are not forced into disagreeable situations you because you are able to make independent choices.

• I want to protect my spouse but thought it might be a major expense. I was pleased to find long term care insurance rates can be very affordable. Without the money to fund LTC, you threaten the financial future of your spouse. For example, typically to qualify for Medicaid, you have to spend down your savings and cash in your bank account until only $2,000 remains. And your spouse is severly limited to the amount of money he/she can earn. Most spouses are impoverished within 24 months of the other spouse qualifying for Medicaid. This is certainly not the financial future a couple worked so hard for throughout their lives.

• I worry about my privacy and "Big Brother" Once you are on Medicaid, the government tracks every penny coming into your home. You are allowed only one car. A house can be worth only so much. And we have already talked about limits on your spouse's income.

Long Term Health Care Insurance benefits and rates change often. We are available to help you compare the benefits of each type plan and find the one that best matches your needs and budget.
LifeSecure Insurance Company — a wholly-owned subsidiary of Blue Cross Blue Shield of Michigan - is headquartered in Brighton, Michigan. This is a highly rated company providing Michigan Long Term Care insurance.

They are dedicated to providing long term care solutions that protect families and their assets. LifeSecure makes long term care insurance flexible, simple and affordable. LifeSecure Long Term Care Insurance Brochure

Additional Information about LTC Insurance

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