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Long Term Care Insurance


Paying the rising costs of long-term care services from your own resources can quickly jeopardize your family’s financial future.

Not only can long-term care costs wipe out a life-time of savings, it may also impose a physical and emotional hardship on the loved ones you’ve worked to support and protect your entire life.

Without the benefits of Long-Term Care Insurance, around-the-clock care may need to be provided by your family. 

Learn more about Long-Term Care by attending one of our FREE SeminarsEnjoy Lunch or Refreshments and you could even win a prize.  Register Now!


 E-mail  customerservice@royalstate.com to request
   an access code. 
Once you have your access code,
click on the box (directly above) to be forwarded to the
website (you will be asked to enter your access code).

With Long-Term Care Insurance, you can rest assured that you will be able to receive the care and services you need without burdening family members. To learn about the wide array of benefits of Long-Term Care Insurance available through reliable, top-performing providers like John Hancock and Genworth, contact a Royal State Insurance agent today or call 808-539-1600 (1-800-890-9022 Toll-Free from the Neighbor Islands).


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What is Long-Term Care?

Long-term care consists of services to meet not only long-term medical needs but also personal care needs, such as bathing, dressing, eating, using the bathroom, transferring (to and from bed or chair) and caring for incontinence. These activities are known in the industry as Activities of Daily Living or ADLs. When such assistance is needed over an extended period of time, it is deemed “long-term care”. Long-Term is often required when someone suffers from a chronic illness or disability, including cognitive impairments of memory, orientation and reasoning.

The unfortunate reality is that paying the overwhelmingly high cost of long-term care services from your own resources can quickly jeopardize your family’s future. Not only can long-term care wipe out a life-time of savings, it may also impose a physical and emotional hardship on the loved ones you’ve worked to support and protect your entire life.

Without the benefits of Long-Term Care Insurance, you may find that your options for care are severely limited. If you are unable to pay for in-home care or to stay at an assisted living facility or nursing home, your elderly spouse might need to provide the round-the-clock care that could be required. Some find that the high cost of in-home care assistance (even just a few days per week) is beyond their financial reach, leaving family members to provide 100% of the care.

Learn more about Long Term Care by attending one of our FREE seminars - Lunch is included.  Register Now!


                                                                        

      
  

   

   

Other Valuable Information:

Creating Your Plan For Living

Cost of Care Survey

How Will You Pay For Long Term Care

Let's Talk

The Most Asked Questions About Long Term Care Planning

Valuable Lessons In Long Term Care Planning

 



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