What is Long Term Care Insurance?
|
|
Long term care insurance helps pay for covered long term care when a person needs substantial assistance with at least 2 of the 6 activities of daily living (bathing, dressing, getting in and out of bed (transferring), feeding or toileting and continence), for a period expected to last at least 90 days due to a chronic disease, accident or illness, or needs substantial supervision because of a severe cognitive impairment such as Alzheimer’s disease, and a doctor, nurse or licensed social worker certifies from time to time the individual needs the assistance or supervision as described above.
Long term care services may be provided by a health care professional such as a nurse, a home health aide, or other personal care providers such as family members* and personal care attendants.
Long term care insurance can help pay for varying levels of care in a variety of locations, ranging from a few hours of care per week at home to round-the-clock care in a nursing home.
View a
glossary of long term care terms.
*Subject to policy limitations
48905 02/10/11
