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Individual Insurance Long Term Care  

Long Term Care includes a wide range of medical and support services for people with a degenerative condition (e.g. Parkinson's, stroke, etc.), a prolonged illness (cancer) or a cognitive disorder (Alzheimer's).

Long Term Care is not necessarily medical care but rather "custodial care." Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who is cognitively impaired.

To better understand Long Term Care, think of the activities that you performed when you woke up this morning. You probably:

  • Climbed out of bed
  • Walked to the bathroom
  • Used the toilet
  • Used the bath or shower
  • Got dressed
  • Ate breakfast
While we are healthy it is easy for us to take for granted the above Activities of Daily Living (ADL's). However, when you or a loved one is stricken with a degenerative condition such as a stroke or Alzheimer's, performing these ADL's becomes impossible without the assistance of another person.

This type of care is Long Term Care. It is the same type of care that a parent must provide for their new baby. This type of care is chronic (full-time) and thus becomes very expensive. Long Term Care can be provided in many settings including nursing homes, your own home, assisted living facilities and adult day care.

What to look for in a quality Long Term Care Insurance Policy:
  • Financial Strength
  • Adequate Daily Benefit
  • Comprehensive Coverage
  • Inflation Protection
  • Claims Response
  • Stable Premiums
Who should consider Long Term Care Insurance?
Why is there a need for Long Term Care Insurance?
What do Long Term Care services cost?


Please contact us for our Long Term Care Insurance Facts Brochure and let us help you answer the above often asked questions

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