Costs for post hospital care have skyrocketed to the point where the average cost of care can easily range from $45,000 - $90,000 annually depending on the level of care needed. A study by the U.S. Department of Health and Human Services collecting data from 1995 2014 says that people who reach age 65 have a 70 percent chance of needing Long Term Care Services in their lifetime. The prospect of becoming disabled and needing long-term services is perhaps the most significant risk facing older Americans. Long Term Care Insurance can help protect your estate from these catastrophic costs. LTC insurance can also help you with peace of mind knowing you will not be a burden to your children and instead maintain your independence. Recently, Short Term Care insurance has turned into a truly useful product due to the fact the premiums tend to be more affordable and policies are easier to qualify for health wise. We can also evaluate if your financial structure qualifies you to be a good candidate for a hybrid program where funds invested into the plan unused for care would be passed along to your beneficiary’s, potentially tax free.