"My clients don't need a Long-Term Care Plan because they have Medicare or Health Insurance"
Fact: A LTC Plan is not the same as health insurance, which is designed simply to cover the costs to cure individuals and return them to good health.
Health insurance is intended to help pay for medical care only, but LTC Plan benefits help support potentially costly LTC services, which can include bathing, eating, getting dressed and moving around. LTC services generally are required by those who are dealing with chronic illnesses, accidents or advanced aging and are progressive, with the level of needed care growing over time.
One of the most important apsects to consider is the potential for a cognitive impairment later in life; where there could be a need for costly custodial care - also not covered by Medicare or Health Insurance.