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What is Long Term Care?
Defining Long Term care… It simply means you are going to need some sort of help or assistance for a period of 90 days or longer.
There’s no doubt that as we age the odds of needing care increase. But today's Long Term Care coverage means much more than "Nursing Home insurance. The best policies are comprehensive and very flexible.
In the future, it doesn't matter if 94 suffering from dementia or like Christopher Reeves (Superman) who unfortunately fell off his horse at 40 and needed care until the day he died.
For my clients, the Long Term Care planning is geared to keep you in your own home. But it will also cover things like:
- Assisted Living
- Continuing Care Retirement Communities
- Care Coordination Services
- Home Modification
- Adult Day Care
Most importantly for my clients, Long Term Care planning gives you the choice to remain independent in your own home.
However, if you determine that it is necessary, Skilled Nursing Home care will be covered.
Use our web-based tools to determine if your current health qualifies you for long term care. Then look at the benefits and prices to see what fits your needs.
Long Term Care insurance makes sense for most people, but is not right for everyone.
There are many choices to make when purchasing a Long Term Care insurance policy.
Get insights on all your options for your Long Term Care.
Then you can determine if Long Term Care is an affordable option for you.