 |
Long term care is something you may
need if you can no longer perform everyday tasks by
yourself. For example, there may come a time when you
need help getting dressed, eating or bathing. It also
includes the kind of care you would need if you had
a severe cognitive impairment like Alzheimer's disease.
You can receive this care in a variety of settings,
including your home, an assisted living facility or
a nursing home.
|
We represent these companies:
- Allianz Life
- Physicians Mutual
- Med America
- Lincoln Benefi
Why Would I Ever Need LTC?
The need for long term care usually arises 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. But it's not just a retiree's issue.
It Can Happen at Any Age:
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. Would you be prepared for long
term care, if you suddenly required it?
What It Is:
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. Care
can be received in a variety of settings, including your own
home, assisted living facilities, adult day care centers or
hospice facilities.
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.
What It Isn't:
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.
Long term care is not always administered in a nursing home.
In fact, more than 80% of all people receiving long term care
assistance are not in nursing homes.
If you have questions and what answers, we
can help. Call us.
Justin Yarmark
justin@moneyins.com
877-341-3342
|
