Long Term Care to mitigate your risk of unfortunate suprises

It takes just one unforeseen accident or illness to put your family’s financial future at risk. Many people consider retirement income and savings as their safety net for unforeseen events, but the average cost of private care can consume all of your income and savings. You’re left with nothing to maintain the retirement lifestyle you’ve worked so hard to create.

Did you know?

70% of people over sixty-five will require extended personal care at some point in their lives with an average duration of Long Term Care for three years. *

Chronic conditions like diabetes, high-blood pressure, and obesity are all on the rise, and greatly exacerbate the chance of requiring long-term care.

1 year of a private care nursing home costs $81,030 on average, with projected costs reaching $204,759 per year in twenty years. **

5 Questions you should ask your consultant about Long Term Care


How much coverage do I need?

If the policy is part of an executive benefit plan is it portable?

What inflation rider should I choose?

What health issues would prohibit me from obtaining coverage?

What happens if I die and never use it?

Watch Aviva Sapers on Long Term Care Insurance

Discover more

Guide to Long Term Care Insurance

Put together by The National Association of Insurance Commissioners (NAIC), this guide answers key questions related to LTC

Rethinking the Approach to Long Term Care

Contrary to popular belief, Medicare and Medicaid are not intended nor effective for long-term care use.

Webinar on Long Term Care

Aviva Sapers answers important questions such as what is LTC, who needs it, what does it cover and what does it cost.

Read a personal story about the effects of long term care needs on a family and how important it is to think about the right coverage here.