Long Term Care Insurance

By definition, Long-term care (LTC) insurance pays for services to help individuals who are unable to perform certain activities of daily living without assistance, or require supervision due to a cognitive impairment such as Alzheimer’s disease. LTC is available as individual insurance or through an employer-sponsored or association plan.

  Long Term Care Quote Request

Preserving Choice and Dignity When You Need Care

If you ever have a long-term illness, a chronic condition or Alzheimer’s disease, you may need help with things like bathing, dressing and eating. Your family may want to help you, but they may not be physically able to provide care or their busy schedules may make it difficult to devote enough time to your needs. Aides can come into your home, but these costs are not usually covered by ordinary health insurance policies and Medicare. These expenses can quickly deplete your nest egg, no matter how much you’ve saved. This is when long term care insurance can help.

Long term care insurance (LTCI) can help cover the cost of care you receive at home from nurses’ aides, home health aides and therapists. It can help cover services in an assisted living facility and, if you require skilled care, nursing home expenses can be covered.

It helps you maintain your dignity and financial freedom and gives you the flexibility to participate in making choices that impact your care — about the services you receive, where you receive them and who provides the care you need.

Someone who has a chronic condition or is returning from a stay in a hospital or rehabilitation facility may need these services, which can be covered by long term care insurance:

• Nursing Home Care

• Skilled In-Home Nursing Care

• Adult Day Care

• Hospice Care

• Personal and Home Health Aides

• Homemaker Services

• Assisted Living Facilities

To learn more about long term care insurance, we suggest you discuss your options with our financial professional, Patricia (Trisha) Herndon.  You may you the above link to start your quote request.