Individual Long-Term Care

Did you know that at least 70 percent of people over age 65 will require some long-term care services at some point in their lives?  And of those who have long-term care needs, 41 percent are under age 65?

Long-term care insurance was developed specifically to cover the costs of long-term care services, most of which are not covered by traditional health insurance or Medicare. These include services in your home such as assistance with activities of daily living as well as care in a variety of facility and community settings.

There is a great deal of choice and flexibility in long-term care insurance policies. You can select a range of care options and benefits that allow you to get the services you need in the settings that best suit your particular needs.

Long-term care insurance policies have a benefit period or lifetime benefit maximum, which is the total amount of time or total amount of dollars that benefits pay. Common benefit periods for long-term care policies are two, three, four, and five years, and lifetime or unlimited coverage. Other options between five years and lifetime or unlimited coverage are also available from many companies. Most policies translate these time periods into dollar amounts and do not actually limit the number of days they will pay for care. They simply limit the overall dollar amount the policy will pay.

Don’t let long-term care expenses deplete your family’s savings!
 

 

 


Please call us at (800) 562-6362 or fill out this form for further assistance

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