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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.

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