November is Long-Term Care Awareness Month

Your life today is all about choices. It makes sense that you want a range of options when it comes to planning for the future. That's why including a long-term care discussion helps you prepare for tomorrow with a greater sense of security.

Long-term care costs have soared in recent years, and continue to rise. The median annual cost for a private room in a nursing home is projected to increase from $91,250 to $164,336 in 15 years.* The cost of long-term care services provided in the home, at a community facility or in a nursing home generally is not covered by Medicare or other medical plans, and may significantly impact you and your family's financial resources.

Morgan Stanley's Planning for Long-Term Care Brochure features an overview of long-term care, addresses some common misconceptions and describes the potential benefits of long-term care insurance.

With some thoughtful preparation, you can help protect your savings against the potential risk of long-term care expenses, enabling you to enjoy the retirement you have dreamed – and perhaps also leave your loved ones the legacy you have envisioned.

Speak with your Morgan Stanley Financial Advisor to learn how to help protect yourself and your family with a strategy for long-term care. If you do not have a Morgan Stanley Financial Advisor, visit to find a Financial Advisor near you.

*Genworth 2015 Cost of Care Survey; assumes 4% inflation rate.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

CRC 1319901 11/15