Long-Term Care Plans

What Is Long-Term Care?

Long-term care used to be thought of as care received in a nursing home. The definition has now expanded to include services that help people who may have limitations regarding their ability to care for themselves on a daily basis to help them live independently.

The type of care needed can fall into two areas:

• Help with normal activities of daily living, which include eating, dressing, transferring, toileting, continence and bathing
• Required supervision due to cognitive impairment

These services are generally not covered by typical health insurance or by our Medicare system. The cost of residential nursing home care is expensive and costs can average from $150 to $400 per day depending on the level of skilled care needed. You can protect your assets and preserve your estate from these high costs by purchasing long-term care insurance.

What It Offers: 

• The ability to preserve your savings
• The ability to maintain independence
• The assistance you need from caring providers