A long term care life insurance rider or LTC RIDER is a policy added to your life insurance that can provide you with financial assistance. If you need to receive long term care services, it works by using part or all of your death benefit for long term care while you’re alive. An LTC RIDER can help pay for your long term care expenses that traditional health insurance doesn’t cover. However, if you’re considering adding an LTC Rider to your policy, you’ll want to make sure that your life insurance policy is large enough to cover both your death benefit and your long term care expenses. You’ll also want to be sure to read the fine print of your policy so that you understand exactly what’s covered and what’s not adding a long term care life insurance rider to your policy can be a great way to help ensure that you’re prepared for whatever the future may hold. If you think this rider might be right for you, be sure to talk to your insurance agent about your options.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.