Find out if you need Long-Term Care Insurance

Recent studies show that 12 million men and women age 65 or older will need long-term care services by the year 2020. These people "face at least a 40% lifetime risk of entering a nursing home,"1 and the average annual cost for nursing home care is $66,795 and climbing.2

Why Consider Long-Term Care Insurance?

Chances are you or someone in your immediate family will need long-term care. It makes sense to understand the options you have and to plan for just such an eventuality.

A Long-Term Care Consultation Will Give You the Information You Need to Make an Informed Decision.

The fact is, very few health insurance plans include the cost of long-term care. Spending an hour of your time for a long-term care consultation could save you tens of thousands of dollars down the road. During your consultation, we'll review:

• Why many Americans don't have long-term care coverage.
• The types and various levels of care available.
• What Medicare will and won't pay.
• What most Medigap insurance plans cover.
• What to look for in a long-term care policy.
• Your options for funding long-term care.


For more information:


1 America's Health Insurance Plans, 2004.
2 MetLife Mature Market Institute, 2006.

Sandy Spring Wealth Management

*Not FDIC Insured *No Bank Guarantee
*Not a Bank Deposit
*Not Insured by any Federal Government Agency
*May Lose Value*

Securities, advisory services, and insurance products are offered through LPL Financial, a Registered Investment Advisor, member FINRA / SIPC. Sandy Spring Bank and Sandy Spring Wealth Management are not registered broker/dealers and not affiliated with LPL Financial.
This site is designed for U.S. Residents only. The services offered within this site are available exclusively through our U.S. Investment Representatives. LPL Financial's U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.











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