Long Term Care (LTC)

The care you need. The flexibility and independence you deserve.

When you’re recovering from an injury or illness, it’s comforting to know that you have choices when it comes to your care—including the option to receive care in the privacy of your own home. A comprehensive long-term care insurance provides protection designed specifically for home and facility care needs of not less than 90 consecutive days for each covered person. With the comprehensive plan, home care, adult day care and facility care are all covered benefits.

Home Care

Covers care, services and supplies from qualified home healthcare providers.

Visits by:

  • Home care aides
  • Nurses
  • Physical, occupational and speech therapists
  • Nutritional specialists
  • Medical social workers

Charges related to your home care:

  • Transportation to and from medical appointments
  • Domestic cleaning and laundry services
  • Home delivery of meals from an official program
  • Food shopping, errand running, meal preparation and clean-up

Adult Day Care

Covers services at a qualified adult day care facility.

  • Visits by a licensed nurse
  • Occupational, physical or speech therapy 
  • Transportation to and from the facility
  • Meals provided by the facility
  • Social, recreational and educational events designed to improve your functioning and level of self-awareness

Facility Care

Pays for care, services and supplies in all covered facilities, for example:

  • Nursing homes
  • Assisted living facilities
  • Alzheimer’s facilities
  • Residential healthcare facilities

10 IMPORTANT REASONS

FOR LONG-TERM CARE INSURANCE



1)     Helps to maintain control of where and how care is received

2)     Can help protect assets and personal savings from the high cost of

          long-term care (LTC) expenses—some LTC insurance policies are tax

          qualified and may provide tax advantages

3)     Helps preserve quality of life—especially in retirement

4)     Helps relieve the burden of care from loved ones

5)     To gain access to a professional care coordinator in a time of crisis

6)     Helps with planning for the future

7)     To help maintain independence

8)     Medicare generally only covers a portion of long-term care on a limited

         basis

9)     Covers some custodial care, which is one of the primary needs when

         dealing with a chronic illness or cognitive impairment

10)   Helps avoid reliance on government long-term care programs such as

         Medicaid