What is long term care?
Long-term care is the assistance needed over an extended period of time to manage rather than cure a chronic condition such as arthritis, a stroke, dementia, the frailties of aging, recovery from surgery or accident. Care could be needed for weeks, months, or years.
Long-term care can include assistance in your own home, in a residential care or assisted living facility, adult day care, or in a skilled nursing or Alzheimer's facility.
Assistance may be needed when you are not able to do some of the basic "activities of daily living" (ADLs) such as bathing, dressing, toileting, or moving from a bed to a chair.
The need for long term care can happen to anyone at anytime but most people don't think it will ever happen to them. A Government Accounting Office study showed that 40% of those receiving care today are under 65. Long term care is the largest unsecured risk facing Americans today.
The 50-59 age group was the largest age group to buy long term care insurance in 2009. This group has seen firsthand the devastating effect that long term care costs can have on families and friends.
Planning begins with requesting a quote (on your right). You will be emailed a quote and product brochures from the top companies. Next, you can apply for approval by either mail or meet with an agent. If approved you will be billed for the policy and you will have 30 days to review it.
About Long Term Care Insurance
Email or call us if you have any questions – toll free 1-888-582-2464
Long Term Care 101
According to the US Dept of Health, 70% of Americans will need some long term care.
Long term care is the largest unsecured risk facing Americans today.
Long Term Care Insurance
Health insurance and Medicare will not pay for most long term care. Wouldn't you want home care?
You can wait but it won't be any cheaper and you may not be any healthier than you are today.