Long Term Care Insurance (LTC)

Long Term Care insurance helps provide for the cost of long term care for a predetermined period. Long-term care insurance covers care generally not covered by health insurance or Medicare.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living ADL’s such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

Your age is not a determining factor in needing long-term care. About 60 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime. About 40% of those receiving long-term care today are between 18 and 64. Once a change of health occurs long-term care insurance may not be available.

Our Agents can help you decide what coverages and term is best for you.
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