Dixon Financial

Long-Term Care

Did you know...Nearly seventy percent of people over the age of 65 will require some type of chronic illness or long-term care during their lifetime?

Protect the Ones You love the most

Often, when people think about long-term care, they envision an elderly person in a nursing home. However, long-term care is important for people of all ages who have chronic health conditions or disabilities. These individuals may need help with activities of daily living such as eating, dressing, and bathing. They may also need assistance with transportation, grocery shopping, and housekeeping. Long-term care can be provided in a variety of settings, including the home, an assisted living facility, or a nursing home.

With the costs of this type of care rising over the last few decades, the average cost of Long-Term Care today is $5000-$10,000 per month. It’s easy to understand how, on average, 75% of single people and 50% of couples will spend their entire savings plus retirement within one year of entering a long-term care facility. 

Many people who haven’t reached retirement age, or helped a loved one enter a care facility, don’t realize that Medicare does not necessarily cover all of the costs of the process and care.

Our Long-Term care planning tools include:

 

Universal Life Insurance:

You may be able to advance the Death Benefit of your policy on a monthly basis to help cover the costs for care, if you are unable to perform two of six specified activities for daily living or require significant supervised nursing. Many of these policies feature a refund of premium if the policy is not used.

 

Annuities:

If terminal illness occurs, certain types of Annuities exist that can benefit you with a payout while you are still alive.

 

Other Options:

Other avenues to help with long-term care costs include personal savings, pensions or other income and assets. Planning and setting aside various assets provide sound options for situations that may occur as you age, when insurance and annuities aren’t available. Without proper planning, an unexpected illness or accident could quickly erase any savings you have worked your whole life to attain.

Allow Dixon Financial to help you find the solution that is right for you and your future.

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At Dixon Financial we put your needs first. We advocate for our clients and are there to be a trusted advisor and guide through the planning process. We evaluate possible pitfalls in your current plan and walk you through opportunities and options available to you.


It’s not about products, it’s about people. Together we can combine the steps above to prioritize your goals
and implement your plan with sound practices and strategies to create your unique Legacy.