Long Term Care is an Insurance sold in the US that helps provide for the cost of long term care reaching beyond a predetermined period of time. Long-term care insurance generally covers care that is not covered by health insurance, Medicare, or Medicaid. Individuals requiring long-term care may not necessarily be sick in the traditional sense, but instead, cannot perform basic activities associated with living. Some activities such as getting dressed, bathing, eating, toileting, continence, transferring, or walking are covered.
Also, long-term care may not necessarily be long term, in cases where a person needs care only for a few months to recover from an accident, surgery, illness, or other condition which limits them. There is an increased risk of needing long-term care associated with aging, and is the determining factor in the need for long-term care, generally with persons over 65 years of age.
Additionally, long-term care may not be available once a change of health occurs.
Also, long term care is often written along with Final Expense Insurance, to ensure your final debts do not get passed to your loved ones. We can write your Long Term Care, Final Expense, as well as a Medicare Supplement to offer you complete protection now and in the future. Contact us today to learn more about receiving Long Term Care.