If you’re like most people, you probably imagine yourself living to a ripe “mature” age.

We sincerely hope so.

However there may be another reality too…

The longer you live, the more likely you are to need long term care in your “golden years”.

Without long term care insurance, some Ohio seniors may experience a significant drain on savings or other assets (at best) or the prospect of spending their last days in a nursing home.

We all have elderly family members.

I know how hard it is to picture yourself in the predicament some seniors find themselves in: needing help with the basic day to day activities such as eating, bathing, and getting dressed.

It’s easier just to avoid thinking about it all. I understand.

However the fact remains that at least 70% of us who reach age 65 will need some sort of long term care at some point.

And the cost of long term care is very expensive – by some estimates, as much as $7000 per month or more – and getting much more expensive every day.

The good news is that once you get a grasp of the risks and costs associated with long term care, the sooner you can begin planning for it.

As with most things, planning ahead of time can make all the difference.

When it comes to long term care insurance, Ohio seniors have a few important questions to consider, for instance:

• Where are you planning to live when you retire?
• Would you prefer to receive long term care in your own home – or some other setting?
• Long term care can be expensive. How much will you be willing (or able) to pay?

Once again, it helps to have someone knowledgeable on your side – someone like HRJR.