Long Term Care Insurance

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Daily Living Policy
a policy can be set up to help pay for home help or nursing home help.

Benefits

Long Term Care Insurance or LTC as many people call it is insurance that can help pay for care if an individual cannot perform certain activities. These activities are referred to as activities of daily living and consist of eating, bathing, dressing, toileting, transferring and maintaining continence. As people get older they may need help with some of these activities of daily living and a policy can be set up to help pay for home help or nursing home help.

Structure

Long term care is a very important conversation to have with family members and it is important to sit don with an agent to understand who it is for and who it is not for.

There are many different types of long-term Care products available including the following:

  • Stand-alone long-term care insurance contract
  • Rider on a life insurance policy
  • Rider on certain annuity products

If you don’t have much money and qualify for Medicaid LTC should not be a consideration but for many people, it’s something that should be investigated.

Family Matters
Long term care is a very important conversation to have with family members