Long-Term Care

As we age, the need for extended care may arise, and the associated costs can quickly become overwhelming. Long-term care insurance is designed to provide financial support for services that regular health insurance doesn’t cover, such as assistance with daily activities, in-home care, or nursing facilities. At Thomas D. O’Sullivan – New York Life, we help you plan ahead to safeguard your independence and financial security.

Long-term care insurance ensures that you have access to quality care while preserving your savings and assets. It can cover a range of services, including help with bathing, dressing, and meal preparation, whether at home or in a professional facility. By addressing these needs in advance, you can reduce the emotional and financial burden on your family.

One of the most significant benefits of long-term care insurance is flexibility. Policies are tailored to fit your preferences, allowing you to choose the type of care you want and where you receive it. Whether you prefer to age in place or explore options like assisted living, this coverage gives you the power to decide.

With rising healthcare costs, having a plan in place is more important than ever. Long-term care insurance can protect your retirement savings and ensure that your hard-earned assets remain intact for future generations. It also helps bridge the gap left by Medicare, which typically doesn’t cover extended care services.

At Thomas D. O’Sullivan – New York Life, we work closely with you to design a policy that aligns with your needs, budget, and long-term goals. Planning ahead for long-term care is not just practical; it’s an investment in your peace of mind. Contact us today to explore how this coverage can help secure your future.