Long term care
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Long-term care (LTC) insurance pays for
services to help individuals who are unable to perform certain activities of daily living (ADL’s) without assistance, or require supervision due to a cognitive impairment (reasoning skills) such as Alzheimer’s disease.
LTC is available as
individual insurance or through an employer-sponsored or association plan.
medical care, nursing care, hospice, adult day care and other assistance you might need if you have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time.
Not generally covered by
other health insurance services.
Services may be conducted in a
- facility or in your home and are generally very
- expensive to receive.
Protects a person’s assets from
One year in a nursing care facility is averaged at
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