Long-term Care Insurance

What is long-term care?

Let’s face the truth, people live longer these days. While that is a positive thing for most, the likelihood of long-term care increases as you age. The rising costs of nursing homes, home care and assisted living facilities may have your family asking the question; how will you afford to care for your well-being long term?

Most people associate long-term care with the elderly. But it applies to the ongoing care of individuals of all ages who can no longer independently perform basic activities of daily living (ADLs)–such as bathing, dressing, or eating–due to an illness, injury, or cognitive disorder. This care can be provided in a number of settings, including private homes, assisted-living facilities, adult day-care centers, hospices, and nursing homes.