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