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AARP Long-Term Care Options from New York Life1

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Long-Term Care: Plan for the Future

You've worked hard to make sure that you have the financial security you want for you and your family. And, you’ve tried to plan for the surprises that life may bring in the future. But even the most well-thought-out plans may not be enough to prepare you for the unexpected costs associated with long-term care.

It's easy to learn more about your options for protecting the people and things that mean the most to you. With AARP Long-Term Care Options from New York Life, our experienced agents can help you explore your coverage options and answer any questions you may have. To get started, request a consultation and receive your guide to long-term care today. It's free and there's no obligation.

Man and Woman

70%

of people turning 65
CAN EXPECT
to use some form of
LONG-TERM CARE
during their lives.2

Map

90%

of those who receive
long-term care
assistance live
AT HOME OR IN A
COMMUNITY SETTING.3

Everyone should have a plan for long-term care. And with Americans living longer than ever, this could mean needing some extra help with everyday activities as you age. The benefits of long-term care insurance go beyond what your health insurance may cover by reimbursing you for services needed to help you maintain your lifestyle if age, injury, illness, or a cognitive impairment makes it challenging for you to take care of yourself.

Long-term care may benefit:

Families who want to help protect their loved ones, lifestyle and assets.

Retirees and Pre-retirees wanting to preserve the money they have worked so hard to save.

Individuals who may not have someone to care for them or significant assets to pay for these costs.

It's impossible to predict your chances of needing long-term care, or how long you may need it. And since cost of care can be expensive, it's important to understand the financial impact a few years of long-term care can have.

Nursing Home Care: The average cost of a year’s care in a private Medicare-certified long-term nursing home room is $104,000.4

Home Care: The average in-home care costs $49,920 a year for 40 hours of help per week.4

Assisted Living Care: A year in a 1-bedroom assisted living care facility averages $57,000 per year.4

For cost of care information in your area, please click here.

Many think that government programs such as Medicare and Medicaid will pay for all of their future long-term care needs. Surprisingly, they may only pay for some of these services and have many restrictions.

Medicare: May cover a maximum of 100 days of services after a hospital stay.2 Coverage is designed to assist people during a short-term recovery and doesn't include personal care or supervision services.

Medicaid: If you have limited assets and income and are relying on Medicaid, the state may make key care decisions on your behalf, including where you receive the care you need.

AARP Long-Term Care Options from New York Life1 offers valuable resources to help you find the coverage that's right for you. Request your free guide to long-term care today and an experienced New York Life agent will contact you to answer your questions and explore your options.

New York Life—
The Strength To Be Here When You Need Us Most

New York Life1 has been awarded the highest ratings for financial strength for U.S. life insurers by the leading independent ratings services.

A++

  • Highest Rating
  • A.M. Best

AA+

  • Second-Highest Rating
  • Standard & Poor's

AAA

  • Highest Rating
  • Fitch

Aaa

  • Highest Rating
  • Moody's Investors Service

Ratings as of 10/01/2020. This report indicated the overall financial status of companies at a particular date and is not a recommendation of any specific policy provisions, rates, or services.