CIE Long-Term Care Insurance

Answers to common long-term care questions:

What are my chances of needing long-term care?
According to the U.S. Department of Health and Human Services, 52% of those age 65 or over will require long-term care. For every person in a nursing home, FIVE more people receive long-term care in their home.

Do I have to be in a nursing home to get care?
Care can take place in your home, an assisted living facility or a nursing home, if necessary.

How much does long-term care cost?
In Connecticut, the daily cost for nursing homes is 210, or over $75,000 per year. Home care can cost $50,000 or more annually.

Medicare pays for long-term care, right?
Long-term care expenses are generally NOT PAID FOR BY MEDICARE. Medicare was designed to pay hospital and doctor bills.

Won't Medicaid pay for my long-term care?
Medicaid will pay for care in a nursing home and requires a "spend down" of assets to qualify. Medicaid was designed for the poor and disabled persons.

How DO people pay for long-term care?
Excluding Medicaid, 71% of long-term care costs are paid directly by patients or their families.

How much does long-term care insurance cost?
The earlier you arrange for insurance protection, the lower the cost. It is important that you qualify BEFORE a serious health condition develops.

CIE Long-Term Care Insurance


Example:	Retired couple, age 67 $40,000 income, no debts
	Spouse diagnosed with Alzheimer's Annual cost for long-term care: $75,000
How long will it take before YOUR money runs out?

How will YOU pay for long-term care?

Personal Wealth?
Are your savings large enough to absorb the costs of long-term care and STILL provide for your family's retirement and personal needs?

Family Members' Assets?
Do you want other family members to pay the ever-increasing costs for your long-term care?

Long-Term Care Insurance?
CIE can provide you with a long-term care insurance program to help preserve your family's assets and your retirement savings.

TRUE asset protection from CIE

CIE can answer all of your long-term care questions
CIE has many types of coverage to fit your individualized needs
CIE offers conveniently located, no-obligation, educational seminars

Let CIE's long-term care specialists show you how you can transfer the high cost of long-term care to the insurance company.

We also offer:

Life and Health Insurance
Paycheck Insurance
Mortgage Insurance

Contact our Long-Term Care insurance specialist, Josina Demers, at 860-666-5443, ext.19 for a personal, no-obligation consultation.

You can count on CIE to provide great rates and great service on all your insurance needs.

Click here for a free, no-obligation quote.
CIE--we work directly for you!

Connecticut Insurance Exchange, Ltd. Call toll-free: 1-800-847-8895
112 Market Square, Newington, CT 06111 [860-666-5443] Email: cieltd@megahits.com