Long Term Care provides reimbursement for personal and custodial care, such as nursing home, residential, and community-based assisted living or at-home healthcare – none of which are covered by health insurance.
What is long term care?
Long term care (LTC) is the assistance or supervision you may need when you are not able to do some of the basic activities of daily living (ADL) – bathing, dressing, eating, continence, toileting and transferring. Others may need help because of mental deterioration called severe cognitive impairment that can be caused by Alzheimer’s Disease, other mental illness or brain disorders.
A need for long term care may result from:
- Accidents
- Illness
- Advanced aging
- Strokes
- Other chronic conditions.
Long term care can be received at home, in the community or in a Nursing or Residential Care Facility. You may qualify for long term care insurance benefits if you can’t perform two ADLs by yourself for at least 90 days or require substantial supervision if you suffer from a severe cognitive impairment.
Long term care can help you:
- Maintain your independence
- Maintain control over how you spend your savings
- Have more choice in who provides your care and where you receive it
Benefits are flexible and may be designed and customized to meet your budget and individual needs.
Setting up long term care will help prevent you from having to spend your family savings or use equity in your home should you become incapacitated.
Feel free to contact one of our licensed professional at (888) 234-0532 and we will happily assist you to select the right coverage amount.
