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Take Care of Your Future Now

Help Protect Your Savings & Assets With Long-Term Care Insurance

Long-term care insurance coverage is designed to help you pay for the costs associated with nursing home care, home health care and assisted living facilities as you grow older. This kind of additional insurance can help maintain your financial independence for a longer period of time. Keep in mind, too, that the best time to obtain long-term care insurance is while you're young and healthy — before you may see the actual need for it — since premiums can significantly increase with age.

Depending on your own personal health and family longevity, you might someday need assistance with many of the activities of daily living, like eating and dressing. That's when having long-term care insurance can help. Being able to pay for professional care can also lessen the financial and emotional burden on your loved ones.

If you have a strong desire to protect your savings and assets — which you've worked very hard to accumulate during your life — then a long-term care insurance policy could be an excellent investment in your future. Western & Southern has formed strategic partnerships with several companies to provide you with insurance for your needs. We have chosen these partners because they demonstrate the same commitment to quality customer service.

What Long-Term Care Insurance Can Offer You

Long-term care insurance coverage can provide nursing home care, home health care and personal or adult day care for you if you develop a chronic or disabling condition that requires supervision. With a long-term care policy, you can choose the benefit period (the length of time during which a benefit is paid to you) and amount that are right for you.

Common benefit periods include one, two, five or 10 years as well as to age 65. The benefit amount you select to cover long-term care expenses can start as low as $50 per day or $1,500 per month and it's not taxable as income. Plus, if you apply for coverage as a couple at the same time, you may qualify for a discount.

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Learn More About Long-Term Care Insurance

Start with these educational articles to help empower you to make more informed decisions about your financial future. 
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Explore Long-Term Care Insurance in More Depth

Cost of Long-Term Care: Planning for an Uncertain Tomorrow

While no one can predict future long-term care needs, there are still steps you could take to help prepare for an uncertain tomorrow. 

Why I Bought Long-Term Care Insurance in My 20s

Long-term care insurance is not a pressing concern for most 20-somethings. Learn why one woman chose to purchase a policy in her late 20s. 

6 Financial Questions to Ask When Caring for Aging Parents & Grandparents

You may have started to see age catching up with your parents or grandparents. Consider having a conversation with them now about finances to help protect their future.

Family Financial Planning: Having the Money Talk With Aging Parents

It can be difficult to bring up money matters with aging parents, but it's also important. Here are some tips for family financial planning. 

Why Long-Term Care Insurance Through Western & Southern?

When you’re considering long-term care insurance, you want to work with a company known for its integrity and financial stability. Backed by a heritage of 130 years of financial strength, Western & Southern’s financial professionals have the expertise to help you determine long-term coverage options to help maintain your financial independence later in life.
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IMPORTANT DISCLOSURES

Western & Southern Agency, Inc. is a member of the Western & Southern Financial Group (Western & Southern). Long-term care insurance products available at Western & Southern are issued by third party insurance companies, which are not affiliated with any Western & Southern company. Western & Southern Agency, Inc. is the distributor. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.

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