Although many individuals believe they won’t require long-term care, research indicates that it’s likely to become necessary at some point in their lives. Age is not the sole determining factor; a chronic illness or debilitating injury can occur regardless of one’s age, hindering independent living or self-care. Additionally, there is a common misconception that health insurance or Medicare will fully cover the costs of long-term care, but this is often not the case. Hence, having a comprehensive plan in place is essential. Our advisors are available to assist you in determining the optimal option for you and your loved ones.