| Long Term Care Insurance |
| Long Term Care Defined |
| Generally, long term care is the care people need when they can’t perform the tasks of ordinary living independently. It isn’t a subject that most of us care to dwell on. However, the failure to discuss or plan for the high cost of long term care is causing American families to be unprepared to meet the high costs of long term care. This section addresses what long term care is and where it is provided, as well as the costs of long term care and who pays for it.
You can get additional information by simply clicking on any of the links above (e.g.. Definition, Types, etc.) |
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| Do your financial or retirement plans include protection against long term care expenses? |
| They should! If you are like most people, you have insured your health, your car, your life, and your home. You have probably worked hard to accumulate assets for your retirement years. But what if you needed long term care? Long-term care is a risk that can impact or even derail all of your carefully thought out plans. Start planning now.
This Web site is a resource that can help you take your first step toward protecting your future! You will not only receive a thorough education about issues relating to long term care, but some specifics about long term care insurance as well. Simply click on any of the sections listed. This will take you to its explanation and in most cases, subsections across the top for further explanations.
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| There are many reasons why people buy long term care insurance. Do any of these apply to you? |
- Preserve your independence
- Guarantee your choice of care and caregivers (allow you to stay at home as long as possible)
- Protect your assets and standard of living
- To avoid being a burden to your family
- To leave more assets to your family, church, alma mater, or other worthy cause
- Peace of mind
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| Mission |
Our mission is to educate and protect Americans from the devastating costs of long term care. Families do not realize how important long term care insurance is until they are uninsurable or actually need long term care. We don't want that to happen to you!
We specialize in long term care insurance and offer the most affordable and comprehensive plans in the market place for individuals, associations, or employer groups. We can assist you in designing the proper plan for you and your family. |
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Long-term care is the personal care and other related services provided on an extended basis to people who need help with activities of daily living or who need supervision due to a severe cognitive impairment. This type of care is considered skilled care, non-skilled care, or custodial care. It is NOT acute or rehabilitative care, which is known as skilled care.
When you need long term care you usually need help with your activities of daily living. These are items such as bathing, dressing, toileting, continence, eating, and transferring. Or, you may be able to do all of your activities of daily living but still need care and supervision due to a severe cognitive impairment (memory loss, dementia, etc.). You may be able to dress yourself, but you may not remember to take your medications.
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