LONG TERM CARE INSURANCE

Long term care is something you may need if you can no longer perform everyday tasks by yourself. Long term care is the type of care that you may need if you can no longer perform "activities of daily living" by yourself, such as eating, bathing or getting dressed. It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer's disease.

Long term care can be received in a variety of settings, including your own home, assisted living facilities, nursing homes, adult day care centers, or hospice facilities.

Many people don't realize that the need for long term care can strike at any time. Statistics show that 40% of people receiving long term care services are working-age adults, between the ages of 18 and 64. The need for long term care can arise from age or chronic illness, injury or disability. In fact, approximately 60% of us who reach age 65 will need long term care at some time in our lives. The need for Long Term Care is not just a retiree's issue.

Long term care can be covered completely or in part by long term care insurance. Most plans let you choose the amount of the coverage you want, as well as how and where you want to use your benefits. A comprehensive plan includes benefits for all levels of care, custodial to skilled.

Long term care isn't the type of care that you receive in the hospital or your doctor's office. It isn't the medical care you need to get well from a sickness or an injury. It isn't short-term rehabilitation from an accident or recuperation from surgery.

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