Insurance: Because things change

Each year, thousands of Canadians face the reality of needing long-term care services – either for themselves or for a family member.

Be prepared, no matter what the future brings.

At every stage of our lives, we are vulnerable to accidents and illnesses that can change the way we live.

Long Term Care Costs:

Government programs provide some long-term care services but individuals must often pay for much of their care out-of-pocket.

Accommodation in a long-term care facility can cost from $800 to over $5,000 per month depending on the room type and the level of government funding available in your province.

Private home care services costs range from $12 to $22 an hour for homemaking and personal care to between $18 and $60 an hour for nursing care.

More than one-third of Canadians aged 45-64 who provided informal care to a family member or friend incurred extra expenses as a result of their care giving duties.

The income from Sun Long Term Care Insurance can allow you to pay for whatever long term care services you wish – you could even choose to pay a family member or friend to help with your care.

Needing long term care shouldn’t leave you without choices.

Before you need care, ask yourself:

What quality of care do you want?
Where do you want to receive care (in your own home, a retirement home, a facility?)
How will your family cope, financially and emotionally, with caregiving?
Do you really want to use your savings and investments for care?

As a Sun Life Long Term Care Insurance Specialist, Lily Wong can offer you a clear understanding of long term care issues, costs in your area, and coverage available. Together, you can develop a customized plan that will ensure your future is protected. Please call Lily today at 416.418.8021.

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