• You have more choices around the kind of care and amount of care you’ll receive.
• Either professionals or family members can provide care.
• Your savings and investments can be preserved.

There are many misconceptions about what the government provides and pays for, and what extended health care benefits cover. It’s important that you understand exactly what your benefits, through their employer or association, cover, and what the limitations are.

• Do they end at 65 or when they leave your employer??
• What about your spouse?

LTCI provides you with:

• Flexibility and choice on how you’ll spend your benefit
• Peace of mind to enjoy your money during retirement rather than saving for the possibility that you may need to cover long term care expenses
• The quality of care you want with the dignity you deserve.

A common concern we hear is “Will the insurance company pay, or will I be tied up fighting for a cheque?” Take a look at Sun Life’s LTC Claims.  They are arguably the largest provider of LTC Insurance in Canada, so have the most extensive experience in claims and gathering claims data.  It is clear that claims do get paid.  It is our job to ensure that you have an advocate to work on your behalf, if and when a claim situation occurs.

We would like to hear your comments as well, and share this with anyone you feel would benefit from the information.