Long-Term Care Self Insurance  

Nobody wants to think about the possibility of needing long-term care. But if, somewhere down the line, you and/or your spouse do need assistance, will you have the funds available to pay for care? How much will an extended stay in a nursing facility or care received in your own home cost? Will you be able to meet this cost and still pay your and/or your spouse’s personal living expenses? Will there be enough left over to provide an inheritance for your loved ones or your favorite charity? Does it make sense to self-insure when private long-term care coverage is available? This calculator will assist you in answering these questions.

     

What is your current age?

At what age do you want to assume that you begin to use long-term-care services?

What inflation rate for long-term-care services do you wish to assume?

%

What is the current daily cost of a nursing/long-term care facility in your area?
(The current average daily nursing home cost nationwide is $206 according to the 2011 Field Guide, National Underwriter, but in some areas of the country, and/or for a private room at a high-quality facility, the daily amount can easily exceed $300.)

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Ameritas
6929 W. 130th Street, Suite 210 • Parma Heights, OH • 44130
Phone: (440) 842-7750 • Fax: (440) 527-0663
• tnoe@aicinvest.com

Securities and investment advisory services offered solely through Ameritas Investment Corp., member FINRA, SIPC.  Noe Financial Services, Inc. and AIC are not affiliated.  Additional products and services may be available through Noe Financial Services, Inc. that are not offered through AIC. Securities e-mail:  tnoe@aicinvest.com.  Noe Financial Services, Inc. is located at 6867 Pearl Road, Suite 115, Middleburg Heights, OH 44130.

This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction.  As with any security, request a prospectus from your registered representative.  Read it carefully before you invest or send money.  Securities products are limited to residents of FL, IL, MO, NC, OH, OR.

A representative of Noe Financial Services, Inc. will contact you to provide requested information.

Representatives of AIC do not provide tax or legal advice.  Please consult your tax advisor or attorney regarding your situation.