Long Term Care

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 Long term care (LTC) provides assistance with basic activities of daily living (ADLs) we often take for granted — bathing, dressing, eating, transferring (such as moving from a bed to a chair), toileting, and continence. LTC could be needed because of an accident, illness, cognitive issue, or as a result of aging.

The progression towards needing LTC can go hand-in-hand with the struggle to maintain your independence. LTC insurance can give you time to weigh your options by providing the ability to pay for extended home care or facility care if needed.

You may qualify for LTC insurance benefits if a licensed health care practitioner certifies that you are unable to perform two or more ADLs by yourself for a period that is expected to last at least 90 days or require substantial supervision if you suffer from a severe cognitive impairment.

When it comes to the long term, most of us want to make sure our family, our lifestyle and our future are as secure as possible.

A few other points to consider:

LTC insurance can help reduce the financial responsibilities of those who you would need to rely on to take care of you.