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Protect Your Independence.
- Safeguard your family's financial future and reduce the burden your loved ones face in the event you have a serious accident or illness
- Protect your own income and assets
- Control how and where you receive care
- Leave retirement savings available for you or your spouse
What is Long Term Care Insurance?
Long Term Care Insurance (LTCI or LTC) provides support for medical, personal and social services needed by people who are unable to perform basic functions associated with living due to an accident, illness or frailty. LTC involves receiving the assistance of another person to perform the essential activities of daily living when activities can no longer be performed independently. Care can be provided at home by formal caregivers such as home health aids or in an assisted living or nursing facility.
What are the benefits?
Daily Benefits:
- Nursing Home Care Coverage
- Assisted Living Facility Coverage
- Licensed Home Health Care Coverage
- Adult Day Care Coverage
Additional Benefits:
- Care Coordination: Licensed health care practitioner, who helps assess care needs, establishes a plan of care, monitors progress and provides a list of providers for services
