What is a long-term care insurance policy?

With age comes an increased chance of chronic illness, cognitive impairment, and other conditions that can make it difficult to perform routine activities. When this becomes serious enough, long-term care (LTC) is needed. According to the U.S. Department of Health and Human Services, 70% of current 65-year-olds will need some form of long-term care in the future. With the likelihood this high, it pays to plan ahead and start thinking about what type of care you may require, how long you will need it for, and how you are going to pay for it.

This is where long-term care insurance comes in. This is a specialized form of insurance that helps those with chronic illnesses, disabilities, and conditions such as Alzheimer’s in their day-to-day lives. It helps to pay for many different forms of caregiving and assistance, including skilled care provided by nurses and therapists. Such care includes help with eating, bathing, getting dressed, doing chores and other household activities, and making sure that the patient takes all of his or her proper medications. While it is not right for everyone, long-term care insurance can help prepare you or your loved one for the day when this kind of care is necessary.

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How does long-term care insurance work?

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Financially strong A.M Best rated insurers with low complaint ratios related to claims will send you quotes directly and promptly. You may also have access to instant rate quotes, and side by side plan comparisons. The service is free, and comes with no obligation. Your privacy is our highest priority.

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Financially strong A.M Best rated insurers with low complaint ratios related to claims will send you quotes directly and promptly. You may also have access to instant rate quotes, and side by side plan comparisons. The service is free, and comes with no obligation. Your privacy is our highest priority.

PLUS, Receive 2 FREE Books -
Long Term Care Insurance & Preventing Dementia

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