Myth: I don’t need Long Term Care insurance – I’m young and healthy

 Many consumers may feel that long term care is just an issue that affects older Americans.

However, that is untrue.

Changes in health can occur at any time, and so can accidents. Long Term Care insurance helps your clients plan for the unexpected and helps protect their family.

Consider the real-life long term care example of Barbara: She was in her 50′s and led a rather healthy lifestyle. One day she felt very weak, tired and thought she may have the flu. The next day, she was talking with her family –her words were jumbled and thoughts were incoherent. Her family rushed her to the emergency room and Barbara was diagnosed with having a stroke. She could no longer move the left side of her body and could hardly speak. Barbara may need many years of therapy and long-term care services. She cannot sit without assistance and will need someone to help feed, bathe, and dress her — many of the things she easily did on her own only a week ago.

The Truth

• 40% of those persons receiving long term care are between the ages of 18 and 64.*
• One-third of the 700,000 stroke victims in the U.S. each year are under age 60.*
• A person can need long-term care services at any age

The best time to consider Long Term Care insurance is when you are young and healthy. Rates may be lower, more discounts may be available and there may be a better chance to qualify for coverage.

There are many stories just like Barbara’s that happen every day.