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What is long-term care?

Long-Term Care services are those services designed to assist someone who has lost some or all of the ability to care for himself or herself due to an illness, an accident or simply the frailty of aging.

Long-term care includes a wide range of services which help people maintain the normal activities of daily living; activities like bathing, continence, dressing, eating, toileting and transferring (like moving from a bed to a chair or from a chair to standing, etc.). Long-term care services can be provided in your home, in and through community resources or in a formal setting such as a nursing home or assisted living facility.

LTC Insurance

Long-Term Care Insurance provides funds to help you cover long-term care costs in the same manner Health Insurance provides financial coverage for doctor's visits and hospital bills. However, it is very important to understand that Long-Term Care Insurance and Health Insurance are two distinctly different types of insurance. Health Insurance would likely provide coverage for doctor visits, hospitalization, and maybe even some prescription medicines. But if the individual's condition progresses to the point where he or she requires long-term care or constant supervision, Health Insurance would likely not provide those coverage for that supervision.

Health Insurance was not designed to provide long-term care for someone who has suffered permanent paralysis from an accident or stroke. Or for someone who developed Alzheimer's. Or for someone who simply became frail as natural result of the aging process and as a result suffers a long-term inability to care for one's self.

This is where Long-Term Care Insurance comes in. Long-Term Care Insurance has been designed to pick up and provide coverage where Health Insurance leaves off. So in the case where the individual's condition has progressed to the point where he or she requires constant supervision or assistance carrying out basic activities of daily living (like bathing, eating, toileting, dressing and moving about), Long-Term Care Insurance would provide funds to help cover the insured's long-term care expenses.

Those who have purchased Long-Term Care Insurance share that it has also helped them maintain their independence and freedom of choice over how and where their care services are provided. Long-Term Care Insurance can allow you to protect your assets and ensure that your long-term care needs will not create a physical or financial burden on your family.


LTC Services

To understand how long-term care services are provided, it is first important to understand the overall concept of Long-Term Care.

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Home Health Care

Simply put, Home Health Care is exactly what the name implies - long-term care services provided in your home.

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Community Care

Community Care goes hand in hand with Home Health Care. Whereas Home Health Care is designed to be provided in the home, Community Care is provided in community resources...

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Facilities

When care at home or in the community is no longer an option, Assisted Living Facilities and Nursing Facilities may be considered.

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