Do I Need Long Term Care Insurance?

Long-term care services provide assistance to those who have lost some or all of the ability to care for themselves due to an accident, illness or simply from getting older.

Services typically fall into one of two categories: skilled care or custodial care. Custodial care is the care required to assist individuals with activities of daily living (activities like bathing, continence, dressing, eating, toileting and transferring - such as moving from the bedroom to the living room, etc.) while skilled care covers nursing home care and/or physical, occupational, speech, and respiratory therapy performed by a licensed professional.

Many different services are available to help people overcome conditions that keep them from being independent.

The need for long-term care may begin gradually as you find that you need more and more help with activities of daily living, household chores, meal preparation, or managing money. You may need long-term care after a major illness, such as a stroke or a heart attack; a disability or a cognitive impairment, such as Alzheimer’s disease or dementia; or a fall or car accident. You may need nursing home or home health care for only a short time or, you may need these services for a few months, years or the rest of your life.

Long-term care insurance provides you the flexibility to choose the type of care you need for the length of time you need it.

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