Face your future with confidence.

Most of us can expect to celebrate our 80th birthday, which is good news. However, these additional years may not be free of disability.

While none of us what of think about what would happen if we were no longer able to care for ourselves, the reality is that at age 65 or older, there’s a 43 percent probability that you will need some form of long-term care support during your lifetime.  Making a long-term care plan is just as important as an investment or retirement plan.

Won’t the government pay for your care?

While provincial health plans are fairly comprehensive, they cannot afford to pay the entire cost of care.  There are often limits for the amount paid for care at home, and of course, they don’t pay for private facility care.

Over a period of time, these expenses can add up to thousands for dollars.  Without proper planning, the cost of long-term care may quickly deplete your savings, assets and retirement income.  Family members may need to incur the costs of at-home or facility care, making the burden even more stressful.

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