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Legacy Planning Concepts

70% of people turning age 65 can expect to use some form of long-term care during their lives. ¹


Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.


Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.  Long-Term Care Insurance is critical in your planning if you want to protect your assets from being depleted due to long-term health care cost.  If you don’t personally know someone to whom this happened, chances are you’ve heard the stories; people whose health deteriorated or their age made them less capable of caring for themselves, who spent the bulk of their life savings or even went into great debt to get the long-term care they needed.


With the vast majority of health insurance plans available today, a great deal of the treatments and care that a person in such a situation would require aren’t covered.


David Ray Insurance helps consumers compare and gather long term care insurance quotes in a simple and easy process. So, instead of leaving your decision to chance, let us provide you with a long term care insurance quote and help you throughout your long-term insurance decision making process.

¹ US Department of Health and Human Services:

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