Long-Term Care Insurance

Everything you need to know about our Company

Long-Term Care Insurance

Long-term care is a range of services and supports you may need to meet your personal care needs. Long-term care affects all ages and can happen at any time, it's not a matter of "if" but "when" care will be needed. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as:

Other common long-term care services and supports are assistance with everyday tasks, sometimes called Instrumental Activities of Daily Living (IADLs) including:

  • Housework
  • Managing money
  • Taking medication
  • Preparing and cleaning up after meals
  • Shopping for groceries or clothes
  • Using the telephone or other communication devices
  • Caring for pets
  • Responding to emergency alerts such as fire alarms

Why choose Long Term Care (LTC) Insurance:

  • *Having an accident or chronic illness that causes a disability is a reason for needing long-term care
  • *Between ages 40 and 50, on average, eight percent of people have a disability that could require long-term care services
  • *Women outlive men by about five years on average, so they are more likely to live at home alone when they are older
  • *Chronic conditions such as diabetes and high blood pressure make you more likely to need care
  • *Your family history such as whether your parents or grandparents had chronic conditions, may increase your likelihood have needing care
  • *Poor diet and exercise habits increase your chances of needing long-term care
  • *If you live alone, you're more likely to need paid care more than if you're married, or have a roommate
  • *70% of people turning age 65 can expect to use some form of long-term care during their lives.