Beach to Bay Insurance Group is an independent insurance agency located on the DelMarVa Peninsula. 

32828 Reba Road, Suite C

Millville, DE  19967


Important Note: This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.

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Do You Need Long-Term Care Insurance?

November 9, 2018

 Long-term care insurance is expensive but so is the cost of long-term care.  The value of #longtermcare is a perplexing question.  There is no question we are living longer, which correlates to more years in #retirement which means more years your going to depend on your retirement savings.  Without Long-term care insurance there is a good possibility that you are going to have to use that retirement savings for some type of long-term care.    According to, a site provided by the U.S. Department of Health and Human Services, at least 70 percent of people 65 and older will need long-term care services and support at some time in their lives.


But long-term care insurance is expensive, right?  Let's look at the cost of long-term care if you were to have to pay out pocket in Delaware:



Another thing to take into consideration is the burden, both emotionally and financially, take a look at the numbers:


The costs of long-term care policies vary dramatically. Generally, the earlier you buy your policy, the cheaper it will be. Start looking into purchasing a long-term care insurance policy in your fifties, when you’re becoming more likely to need it, but are still young enough to qualify for a relatively inexpensive policy.


Most people will need long-term care at some point in their lives. It’s much better to prepare for the possibility of nursing home expenses or home care than to be unable to afford long-term care when you need it.


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