The cost of long-term care can be enormous, with skilled care costing in excess of $70,000 per year. Will you be able to pay for it if the need arises? SEFCU’s long-term care insurance helps pay for healthcare costs and other expenses if you or a family member require nursing home, at home or assisted living care. Call SEFCU at 518-786-9905 or 888-250-6689 (outside the 518 area code), or e-mail agent@sefcuinsuranceagency.com, to learn more about the valuable protection that long-term care insurance can offer you and your family.

Long-Term Care Insurance Basics

While long-term care insurance is not for everyone, it may a viable option for you if:

• You want to pay for your own care
• You have significant assets and income that you want to protect
• You are over age 50

Age is a primary factor in determining premium levels. The younger you are when you buy the policy, the lower your premiums will be over the long term. That’s why it’s best to start coverage between the ages 50 and 55.