Long-Term Care Insurance

Long-term care is defined as a series of medical and non-medical services offered over an extended period of time to meet your health or personal care needs. Most long-term
care is non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADL):

• Bathing
• Dressing
• Using the bathroom
• Transferring (to or from bed or chair)
• Caring for incontinence
• Eating

Increasingly, long-term care involves providing a level of medical care from skilled practitioners to address the often multiple chronic conditions associated with older population groups. The goal of long-term care insurance is to help you maximize your independence and function at a time when you are unable to be fully independent.

A plan for how to deal with long-term care is paramount given the health care issues facing Americans today:

• Aging populations
• Family lifestyle changes
• Evolving health care and a lack of adequate protection from healthcare costs

Long-term care insurance offers protection against the risks associated with these issues.