Accident Medical Expense helps cover your out-of-pocket medical expenses if you have an accident and a high deductible insurance plan. It provides security in the event of an unexpected accident, so you can concentrate on your recovery.
Just over 1 in 4 of today's 20 year-olds will become disabled before they retire. Over 37 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from 18-64. Disability insurance is a reimbursement plan designed to cover business expenses during the total or partial disability of a professional or business person.
If you have significant assets to protect, if you don’t want the government to be your LTC solution, and if you are not ready to earmark hundreds of thousands of dollars or more to fund future care needs, then you should consider transferring LTC risk to a guaranteed renewable insurance policy, so you can protect what you have worked for and assure that your family is not placed into a crisis.