Long term care is a service provided to individuals when they can no longer perform at least 2 of the 6 ADL's (activities of daily living). Typically, the causation of this is a long term illness or disability that has created a physical or cognitive impairment.

When a person needs assistance with at least 2 of the 6 activities of daily living, eating, bathing, dressing, transferring or toileting and maintaining continence, the care that is provided is also known as custodial care. This service can be acquired in a nursing facility, adult day care or in that person's place of residence. 

Home Health Care - Care provided to you by a registered nurse, a physical therapists, a family member and many more options to choose from. Depending on the state of your health and the type of insurance policy you have in place, you can receive care in the comfort of your own home. 

Assisted Living Care - Care provided to you in an assisted living facility when you can no longer live independently and perform at least 2 of the 6 ADL's. These facilities provide a home like living space to promote the resident's independence all while providing assistance services for various levels of medical and personal care.

Skilled Nursing Care - Short term care provided in a skilled nursing facility when someone is in need of medical care 24/7. Known as an inpatient rehabilitation treatment center to provide care after a stay in the hospital from an accident, surgery or severe illness, to help the patient regain the ability to perform the activities of daily living.

There are many forms of long term care insurance, such as traditional, hybrid, annuities with a long term care rider and even short term care insurance, and we believe everyone should be protected. Even if it's a small coverage plan to help take a bite out of the care costs for those just in case purposes, some protection is better than none! Fill out the quote request form and get in contact with one of our agents to find out what's the best plan for you and your budget. 

Long term care insurance (LTCI) is a product offered to civilians for future health care needs that will not be covered by Medicaid, Medicare and other private health insurance companies. Depending on the type of policy you have in force, LTCI can cover most if not all of your long term care services without you having to deplete your assets. Therefore, providing comfort and piece of mind to you and your loved ones knowing that you will be well cared for. 

Long term care costs can range anywhere from $2,500 a month to $9,000 a month, it all depends on the level of care that is required. Click here to learn more!

Just as the cost of long term care can vary due to multiple circumstances, so does the means of paying for long term care. The three main options for paying for long term care are Medicaid, Medicare, and private pay such as LTCI. Click here to learn more!