Rising medical and long-term care expenses rank among the top concerns of retirees and people about to retire. The best way to address these concerns is to plan for them as you would any other retirement expenses.
Medicare is an important component of your overall retirement benefits - potentially as important as Social Security and the assets you've accumulated in your 401(k), 403(b) or other retirement program. And it is available at a time in your life when you might need it most. After all, longer life expectancies are too often accompanied by increased expenses for age-related illnesses.
However, there are certain expenses that Medicare doesn't cover, including long-term care. Your UBS Financial Advisor can help you factor unforeseen medical and long-term care costs into your overall retirement strategy. He or she can also help you understand the benefits of long-term care insurance and how it can protect you and your spouse from costs that may not be covered by Medicare or other supplemental medical insurance programs.
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