Long-term care insurance protects the insured in the event of prolonged physical illness, a disability, or a cognitive impairment like Alzheimer’s. This type of insurance is designed to help one live and preserve their lifestyle as it is now with their activities of daily living (ADL’s).
A person with a disability or illness will often need constant care and those who have cognitive impairments will need supervision. Long-term care insurance can help pay for these everyday expenses by using the insurance company’s money.
We represent major long-term care insurance companies and we pride ourselves in finding our clients the best policy at the best possible rate.
The need for long-term care plays out in stages – first for someone to come into your home to care for you, then transitioning your care to a long term care facility when it is required.
- Hire an experienced person to come into your home on a regular daily schedule so that you can stay at home but not be a burden to your spouse or family
- Stay in your home until you decide that you would be better served in an extended care facility
- You have control – when you can pay, you can choose the home you want in the neighborhood you want and do not have to wait months for a space
- You do not have to wait until the social worker completes the study, decides your life:
- Will you be allowed to stay in your home with care aids coming in to help or will you go in a home whenever one becomes available
- Will the home be what you want, where you want, in the community you want – not very likely or will be wherever a bed comes up
- You do not lose control of where you live and who shares your room