|
What is Long Term Care?
Long-term care refers to a range of services that help those who are unable to carry out daily tasks on their own due to a chronic disease, a disability, or cognitive impairment and require continuing support. Along with assistance with eating, dressing, and other activities of daily living (ADLs), this can also refer to medical or nursing care. Several facilities, such as nursing homes, assisted living communities, and in-home care, can offer long-term care. What is Long Term Care Insurance? Long-term care insurance is like a superhero sidekick for your retirement plan. Just like how Batman had Robin to watch his back, long-term care insurance has got your back in case you need assistance with activities of daily living (ADL's) such as bathing, dressing, eating, toileting, transferring, and continence. Think of it like this, you’ve spent your whole life saving and preparing for retirement, and just when you think you can sit back and relax, BOOM, your body says "not so fast, my friend". That’s where long-term care insurance comes in - it's like your personal butler, ready to help with the tasks you can no longer handle on your own. For In short, it’s like having a personal Nurse Ratched from "One Flew Over the Cuckoo's Nest" but instead of electro-convulsive therapy, you get assistance with ADL's and peace of mind for you and your loved ones. So, get yourself a sidekick and have a long term care plan that’s ready for any challenge! For questions and or quotes complete the form below and one of our agents will contact you as soon as possible! |
Why Long Term Care Insurance?
This is my story. One of four kids, that's me. I was initially the only one of the four to continue to reside in the same city as my parents as an adult. I was offering LTC insurance at the time. In order to aid them if they got sick, my parents and I agreed to get them a long-term care insurance policy. They were against moving into a nursing home. My father eventually did get sick, and we had to occasionally use their long-term care insurance policy for the following 14 years until he passed away. Because the burden of caring for my father led to her health deteriorating, we had to use the coverage for my mother when he passed away. It is not uncommon for the caregiver to develop a chronic illness as a result of their work. Because the other children decided not to assist with her care, I am now her primary caretaker. Since then, my life has undergone significant transformation. Mom has been healthy for the past ten years despite a number of surgeries and other serious diseases. She is currently 93 years old. I now have health issues as a result of being on constant alert. As a result of my own health concerns and feeling overburdened, I joined a care-giving support group. They pushed me to take better care of myself and accomplish more for myself, which I now do. I acquired my own Long Term Care policy because of this circumstance. I now see that without an Long Term Care insurance, I could not have provided my parents with the care they required or the standard of living they deserved. Many more stories like mine exist in the world. That is why I am committed to educating people about long-term care insurance in the hopes that I may make their lives easier. For more Long Term Care information you can visit my special site. Click here. 
|
(We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options regarding Medicare, Medicare Advantage, Medicare Supplement plans and Prescription Drug plans.)
