Chances are, you've saved for retirement and have the coverage you need for medical care. But what if you develop a physical or mental impairment someday and need assistance with routine daily activities, such as bathing, dressing, or eating? Who would help you? What would it cost?

Long-term care is the everyday help a person may need due to an injury or illness, mental deterioration, or advancing age. The need for long-term care is not limited to the elderly. Accidents and unexpected illnesses can happen at any time, any age. The risk may be greater than you expect. In fact, 40% of the 12 million people receiving long-term care in 1995 were working adults ages 18-64. (Health Insurance Association of America (HIAA), Guide to Long-Term Care Insurance, 2002).

Long-Term Care insurance can't prevent you from ever needing long term care, but it can help you protect yourself and your family from the financial impact. As you will see from the information we present, it is an issue that bears consideration. Please take the time to learn more about this coverage and the valuable protection it provides.