Long-Term Care

If healthcare costs continue their double-digit rise year-over-year, they will account for an inordinate percentage of retirement spending. The national average median daily rate for a semi-private room in a nursing home is more than $183 per day and the median daily rate for a private room is more than $200 a day. *

• Medicare is not nursing home insurance and does not cover long-term care
• Private medical insurance or Medicare supplement plans do not cover maintenance care 

Long-term care insurance can help manage healthcare costs and reduce the impact of inflation while ensuring your healthcare needs, and those of loved ones, are covered well into the future. Adequate financial planning now can help prevent a lifetime of assets from falling short when you need them most.

* Cetera Financial, Inc.: Cetera 2009 Cost of Care Survey, April 2009