Long-Term Care Insurance
If you become unable to care for yourself, long-term care insurance provides benefits to pay the cost of health and personal care services.
The basic coverage in a long-term care plan provides a monthly benefit when an individual is functionally dependent. This means that the insured is unable to perform any two of the six activities of daily living — eating, bathing, toileting, dressing, continence and transferring — or that the insured suffers from a cognitive impairment due to a disease such as Alzheimer’s. Long Term Care Insurance Plans may include:
- Homemaking services — household tasks (cooking, cleaning & childcare)
- Home health services — medical assistance (in home)
- Occupational therapy — rehabilitation services
- Home or auto modifications and assistive equipment — accommodate your changing needs
- Adult day care — in place of primary caregiver
- 24 hour private facility care — care & medical assistance 24/7