If you want to be prepared for the possibility of needing care later in life, a long-term care insurance policy is one way to help yourself and your family. The policy will pay for long-term care services and supports, such as assisted living or nursing home costs, and helps elderly or disabled individuals stay in their homes.

If you develop a chronic illness or become disabled, and are unable to care for yourself over an extended period of time, long-term care services may be necessary.

No one can predict for certain if he or she will someday need long-term care. But it’s likely, when you consider that people are living longer than ever and the U.S. Department of Health and Human Services reports that 69% of people will use long-term care services at some point in their lives (or have already used them).

If you’re unsure whether long-term care insurance is right for you and your family, we can help. Learn more about long-term care insurance policies, how they work, and what questions to ask.