What is long-term care? Long-term care (LTC)
refers to a variety of services designed to help people
perform the functions of day-to-day living to help
them remain independent. Some long-term care is
aimed at providing help with day-to-day activities for
people with chronic illness, or cognitive impairment,
such as dementia. Other long-term care services may
be rehabilitative, helping someone regain function
after a serious injury.
On average, one out of three people will need
long-term care. The average cost nationwide is
$85,000.00 per year. The average need is 3-years.
Long-term care is the #1 liability Americans face.
|Long Term Care Premiums can be Tax Free
There have been many changes in the law to encourage people to purchase
long-term care policies. The premiums of long-term care policies may be tax
deductible or using a non-qualified Deferred or Immediate Annuity can be
The 2007 Partnership Program, which was passed in the State of Florida,
provides matching funds. For detailed information, please refer to
|Secure Choices Insurance Services
1624 3rd Avenue North
Jacksonville Beach, Florida 32250
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It is only by creative planning that individuals can prepare for the high cost of
long term care. In the past you your only choice was to purchase a plan and pay
in monthly or annual premiums for coverage that may or may not be used.
Introducing a new way to pay for long term care benefits: Guaranteed single
premium coverage for long-term care using the foundation of Life insurance or
|Lifetime money back guarantee|
|Income tax-free long-term care benefits|
|Income tax-free death benefit|
|Lifetime benefit guarantees|
|Interest credits and tax-deferred growth|
Stand alone Long Term Care Plans are based on your age, How much you want
them to pay per month, elimination periods and how many years of coverage.
You also can attach riders such as inflation protection, waiver of premium, and
The Government has passed wonderful Tax incentives to purchase these plans.