Contingency Planning


The probability that you or your spouse will require home health care or nursing home assistance, or suffer a disabling injury or illness is greater than you might think. Consider these facts:

  • 70% of people turning age 65 can expect to use some form of long-term care during their lives. [2]
  • 18.6 million Americans suffered medically consulted injuries – 4.8 million on the job and 13.8 off the job.[3]
  • A medically consulted injury occurs every 3 seconds in public places (excluding motor vehicle injuries, which occur every 7 seconds).[3]

If you have assets to preserve, then long-term care insurance and disability income insurance should be considered, because protecting against these potentially catastrophic costs is an essential part of astute financial planning


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