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Most of us know a close family member or friend who has spent time in a nursing home. The fact is that at age 65, the average American faces at least a 40% risk of spending some time in a nursing home.* Unfortunately, Medicare pays only a small percentage of the nation's nursing home care expenses.*
A Long Term Care insurance policy provides benefits that help pay for nursing home care, home health care and comprehensive care (both nursing home and home health care). To find out more about the plans and companies that we offer, or to review general information about Long Term Care coverage just click on one of the following links:

Richard Ziemianski is a Registered Representative of and offers securities through Kovack Securities, Inc. 6451 N. Federal Hwy. Ste. 1201, Ft. Lauderdale, FL 33308 Tel: (954) 782-4771 Member FINRA/SIPC
*Health Insurance Association of America, Guide to Long Term Care Insurance, 2002
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