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Long-term care planning

Maintain your independence and standard of living while securing your financial future.

Unexpected long-term illness or disability could seriously damage your financial well-being; however, with some planning now, you can minimize undue stress on your family and the loss of a lifetime of savings. Get the protection you need to maintain your quality of life as you get older.

Protect your assets by planning ahead

Help maintain all you've worked to achieve with long-term care coverage. About 70 percent of Americans who reach age 65 will need some long-term care during their remaining years1  

Fortunately, a life insurance policy that offers long-term care benefits may help you:

  • Avoid relying on help exclusively from family caregivers if Medicare does not pay for the needed care

  • Stay in better control of your finances and protect more of your assets

  • Receive compensation for in-home care if recommended by your physician

  • Choose a nursing home or other facility you prefer

Quality care wherever you choose

Long-term care2 coverage may provide coverage for a visiting or live-in caregiver, housekeeper, therapist or private duty nurse up to 7 days a week, 24 hours a day.3 With this coverage you can control the quality of your care and choose where to receive it – even if your needs increase. The following services may be covered:

  • Assisted living services

  • Adult daycare

  • Respite care

  • Hospice care

  • Nursing home costs

  • Alzheimer's facilities

The HSBC Approach

We spend the time to get to know you in order to understand what is most important to you and your family. Our Financial Professionals4 will review your goals to help prioritize long-term care solutions.

Begin to experience the benefits of working with us by scheduling a review with an HSBC Financial Professional4

Connect with a Financial Professional4

Call 800.662.3343 to speak with a Financial Professional4 to learn more.

Monday through Friday 8am - 6pm ET

1 “What is the Lifetime Risk of Needing and Receiving Long-Term Services and Supports?”

APSE – Office of the Assistant Secretary for Planning and Evaluation, April 2019

2 All long term care coverage is sold through riders attached to permanent life insurance products.

3 Up to the policy benefit maximum.

4 Financial professional refers to Financial Consultants (FCs), Investment Counselors (ICs), and High Net Worth Relationship Managers (HNWRMs). FCs, ICs, and HNWRMs focus on a full suite of High Net Worth, Jade, Premier and Advance products and services. All offer bank products through HSBC Bank (USA) N.A., investments and certain insurance products, including annuities, are offered through HSBC Securities (USA) Inc. and traditional insurance products are offered through HSBC Insurance Agency (USA) Inc.

Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.

Investments, Annuity and Insurance Products:

ARE NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES
ARE NOT FDIC INSURED
ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES
MAY LOSE VALUE

All decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor.

Insurance Disclosure Brochure

Research backgrounds of brokers and firms for free by visiting FINRA's BrokerCheck website

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