It is a fact: You will probably need some form of long-term care (LTC) (that is, custodial care) in the future. The Centers for Medicare and Medicaid estimate that 7 out of 10 people age 65 will need some type of long-term care (i.e., home health care, assisted living, or nursing home care.) If you are 50 or older (or a tad younger), you probably know of people who are dealing with the burden of caregiving for their parents or loved ones in LTC situations. We know caregiving can be one of the most excruciating situations in a person’s life. Maybe you are dealing with it yourself? Have you been thinking about your own long-term care yourself? What will happen if you need long-term care?

Continue reading Need Long-Term Care? A Hybrid LTC Policy Can Help