Long Term Care Insurance policies cover expenses that are not covered by traditional health insurance, Medicare and Medicaid. Long Term Care Insurance enables you to receive chronic care needed to help perform daily activities if you had a disability or an ongoing illness for a long period or for the rest of your life. Besides help with activities of daily living, Long Term Care Insurance also covers costs resulting from dealing with cognitive impairment from Alzheimer’s disease.

Long Term Care Insurance policies give you the freedom to choose the kind of long term care you want, and where you want to receive it instead of having to go where you are taken. Long Term Care Health Insurance protects you and your family from financial burden and prevents you from wiping out life savings and assets in the event you needed long term care. Buying early a Long Term Health Care Insurance not only locks in rates which may not be possible to receive at a later age, but also guarantees coverage when you need it the most. Long Term Care Insurance not only protects your assets but should you overcome the need of long term care, you still will have your savings to enjoy when you recover.

Long term care is help that would be needed to perform daily activities like eating, bathing, dressing, using the bathroom, moving from bed to chair etc. Long-term care refers to all services used by people who have disabilities or chronic illness. These services go beyond medical and nursing care. Long term care is care that would be needed to help perform daily activities if one had a disability or an ongoing illness. It is chronic care that may be needed for the rest of one’s life. It is care that is not intended to cure you and is not received in a hospital. It is not acute care but chronic care that you may need for the rest of your life.

You can receive it in your own home, at a nursing home, adult day care or other assisted living facilities. 83% of long term care is provided to people in their own homes whereas only 17% is provided to people in a nursing home. Long term care is not to be confused with disability or short term medical care.

Long Term Care IS NOT:
• recovering from a surgery
• care you need in order to get well from an injury or sickness or a short rehabilitation from a surgery
• care you received in your doctor’s office or in a hospital