Long Term Care Coverage
What is Long Term Care (LTC)?
Long-term care (LTC) is a variety of supports and services designed to help people live as independently and safely as possible when they can no longer do so on their own.
Long-term care coverage can help provide an additional stream of funds that can help pay for supplementary supports and services
Long-Term care isn’t just a place!
Many people assume long-term care takes place in a nursing home. While some does, most long-term care starts in a home-based setting.
With planning, you can increase the options and flexibility if you ever need long-term care, including the funds to pay for services such as:
Home care: Receive care in the comfort of your own home or the home of a family member or friend
Community living: Pay for caregiving facilities such as adult day care and continuing care retirement communities for individuals who are active and able to live on their own
Facility care: Fund options for assisted living or full custodial care services
Why you might need long-Term care coverage
The longer we live, the higher the likelihood we will need some additional help with the Activities of Daily Living (ADL) such as:
* Eating
* Bathing
* Dressing
* Grooming
* Mobility
* Toileting & Continence