LONG TERM CARE POLICIES

This product was created to cover daily living activity care generally not covered by health insurance, Medicare, Medicaid or other government programs.  It is for those who need help with at least 2 of the 6 daily living skills (ADLs)

1. Bathing

2. Dressing

3. Eating

4. Getting in & out of bed

5. Getting to & from the bathroom independently

6. Continence

Plans are customizable to fit your budget and costs are based on age when policy is purchased and maximum amount policy pays.  One thing to make note of is that rates do increase over time.

About 70% of those over 65 will require some type of Long Term Care services. 

About 40% of those in Long Term Care are between the ages of 18-64.

Costs of care vary, but can be quite expensive.  Once a change of health occurs, long term care insurance may not be available.