What is Long Term Care?
Long Term Care is generally defined as care of a custodial nature for people who have chronic, debilitating conditions and who need assistance with Activities of Daily Living (ADL's) or suffer from a cognitive impairment.
ADL's include: bathing, toileting, dressing, transferring from a bed to a chair, eating and continence.
These services can include, but are not limited to, home healthcare, skilled nursing service, respite care, adult day care or care in an assisted living facility.
Help protect both your independence and freedom.
Did you know?…
it is estimated that more than 50%1 of people over age 65 may need some type of long term care during their lifetimes.
40% of people receiving long term care are between the ages of 18 and 64. Of the ten million people in the United States, who currently need some kind of long term care, four million are working-age people who require care due to an accident or disabling illness.2
While you can't predict what direction life will take, you can have the comfort of knowing you've planned for as many contingencies as possible. That is especially important given our steadily increasing life spans. Long Term Care Planning is one important step you can take right now to help ensure you always remain in control of your life.
Our agency's Long Term Care Specialist can help you evaluate your needs, analyze the marketplace, prepare plan and price comparisons for your review, and then help you implement the plan that you determine best meets your objectives.
1. Health Care Financing Administration, 1997 Statistics.
2. Long-Term Care Insurance Baby Boom or Bust? Conning Insurance Research & Publications, 1999, p. 13
