Long Term CareLong-term care applies to a multitude of services beyond medical care and nursing care needed by people with disabilities or chronic (long-lasting) illnesses. Long-term care insurance pays for these expensive services. A policy also ensures that you will be able to make your own choices about what long-term care services you receive and where you receive them. |
| Ordinary health insurance will not cover these expenses. With people living longer and longer these days there are more years for a risk of serious health problems to arise. These costs could literally use all of your remaining life's savings. Unfortunately, Medicare usually does not pay for long-term care expenses. Medicaid, a federal-state health insurance program, will only pay for long-term care if you've already spent most of your savings or other assets. Long-term care insurance typically covers the cost of the following: – Help in your home with daily activities like bathing, dressing, eating and cleaning. – Community programs, such as adult day care. – Assisted living services that are provided in a special residential setting other than your own home. – These services may include meals, health monitoring, and help with daily activities. – Visiting nurses. – Care in a nursing home. |
| The is no cost to discuss Long Term Care Insurance coverage and the quote is free. |