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Life Insurance

Long Term Care Insurance


Many people think the phrase "long-term care" refers to an insurance policy. However it encompasses everything from long-term services and supports and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.

The Centers for Medicare and Medicaid services project that almost 70% of people turning age 65 will need long-term care at some point in their lives. Are you prepared to financially care for your loved ones, or yourself, should long term care be required?


What services does Long Term Care cover?

Long-term care is a range of services and supports you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as:

  • Bathing
  • Dressing
  • Using the toilet
  • Transferring (to or from bed or chair)
  • Caring for incontinence
  • Eating

Other common long-term care services and supports are assistance with everyday tasks, sometimes called Instrumental Activities of Daily Living (IADLs) including:

  • Housework
  • Managing money
  • Taking medication
  • Preparing and cleaning up after meals
  • Shopping for groceries or clothes
  • Using the telephone or other communication devices
  • Caring for pets
  • Responding to emergency alerts such as fire alarms

Get your free LONG TERM INSURANCE QUOTE today