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J T Ryan and Associates, Inc.

Long-Term Care Insurance Experts

J T Ryan and Associates, Inc.

Long-Term Care Insurance Experts

What is Long-Term Care?

It’s the assistance provided to someone with a prolonged physical illness, a disability like a stroke, or a cognitive impairment, such as Alzheimer’s disease. Or, just growing older and becoming frail.

Unlike traditional medical care, long-term care helps people with activities of daily living like bathing, dressing, and eating. Or supervision, if a person has difficulty with memory or reasoning.

Why is it so important?

What is Long-Term Care?

Because the cost of long term care is now considered the greatest threat to financial security in retirement! The risk of needing long-term care is significant.

Today, the projections are that 80% of us will live to be 65. And, that 52% of us who do, will need long-term care.

But long-term care is not just an end of life issue for the elderly. Today, 37% of those receiving long term are under the age of 65.

How much does it cost?

What is Long-Term Care?

How much does it cost?

In the United States, the average cost of in-home care is $149 per day, which is $4,470 per month, or $53,640 per year. The average cost of nursing home care is $290 per day, which is $8,700 per month, or $104,400 per year.

These costs are expected to increase by 15% in the next 5 years alone. Given the costs - today and in the future - can you afford to self insure?

Why People Buy LTCI:

Should you consider LTCI?

How much does it cost?

In survey after survey, this is what people tell us:

To avoid depending on family and friends
To have choices about where they receive care
To afford quality care
To protect retirement income

Should you consider LTCI?

Think about the other asset protection tools that you wouldn’t want to be without. Would you drive your car without car insurance? Own a home without homeowner’s insurance? Go without health insurance? It might be time to add long-term care insurance to your list.

Here are some questions to help you decide if long-term care insurance is right for you:

Are you between the ages of 18-84?
Excluding your home, are your assets greater than $30,000?
Are you currently in good health?
Could you afford the premium?

Why Work with JT Ryan?

Should you consider LTCI?

Because long-term care insurance is all we do. In fact, it’s all we’ve done for over two decades. We know the product and believe in it.

Multiple top-rated LTCI carriers have appointed JT Ryan as a managing general agent. This means that we’re able to select the right carrier and design the right plan to meet your needs.