Long-Term Care (LTC) recipients are not "sick" in the traditional sense. Instead they are unable to perform some or all of the activities of daily living such as:  dressing, bathing, eating, getting in/out of bed, toileting, walking or other basic activities.  Long-term care encompasses a wide array of services that fall under two general categories - skilled care and personal care. Skilled care is provided when recovering from an illness or an injury. Personal care helps maintain the daily activities and functions of life. Long-term care is usually not medical care and generally does not require a doctor or a nurse.The need for LTC is not always age related.  Although more than half of all individuals age 65 & over will need LTC at some point, it is important to note that roughly 40% of those receiving LTC today are between the ages of 18 and 64.  It is never too early to plan for long-term care.


Long-Term Care services generally are not covered, or covered only minimally, by health insurance, Medicare or Medicaid. The cost of LTC can quickly drain even a large estate and burden those closest to you both financially and emotionally.  Long-Tern Care insurance can avoid those difficult situations, as well as enabling you to maintain control of your care and your choice of the facilities that best suit your needs, instead of allowing welfare or the government to make your LTC decisions for you.  You should be aware that Disability Income Insurance is not designed to cover LTC expenses, but simply replaces part or all of your income during your working years should you become disabled. You need specific coverage to pay for long-term care needs.  LTC Insurance gives you peace of mind knowing that you and your family have the resources for LTC services. Here are examples of what LTC policies may cover:


-Institutional Care:  Nursing home, assisted living services residential care facility, hospice care, adult foster home, respite care and more.


-Home Care:  Home health care, adult day care, personal care, homemaker services, hospice  care, respite care and more.


Long-term care is an important and complex issue, so professional guidance is prudent. A good starting point is having a discussion with your family or friends about the potential costs and the likelihood of requiring long-term care. Then consult with your agent regarding the specifics of your financial and family situation.




*Note:  LTC policies are complex with an array of product choices that cannot possibly be covered here thoroughly.  As a result, please contact your agent to discuss the details and costs of LTC Insurance.



*With all life insurance policies any/all guarantees are backed only by the claims paying ability of the individual carrier.