Terminally ill patient and people who are aged are unable to take care of their day to day needs. External help are needed for them. They mostly need help in:
- Physical activities
- Dressing Etc.
Common health insurances or Medicaid and Medicare does not cover such charges required for assisted living, respite care, home care and frequent charges for regular visits of nursing home and hospital visits. A huge monetary help is required for live-in caregiver, therapist and private duty nurse every hour of the day for such patients. Long term care insurance or LTCI is one such help.
Age is never the determining factor availing such insurance coverage for any person. It has been noticed through proper study that about 40 percent of the people buying LTCI are in the age group of below 64 years.
All the details are available from links given below:
Click for more updated resources on long term care insurance (LTCi).