What is long term care?
An injury or illness could mean needing help every day just for simple activities of daily living (ADLs) such as:
- Moving in and out of bed
- Using the restroom
It could happen to you...simply as a part of growing older, or because of a significant medical crisis such as:
- Rheumatoid arthritis
- Vehicle accidents
- Multiple sclerosis
Providing long term care for you or for a loved one can be time consuming, expensive, and exhausting. A simple way to alleviate some of the expense and responsibility is to consider long term care insurance.
What is long term care insurance?
Insurance helps protect against the unpredictability of future expenses, and long term care can be expensive. Most types of insurance don't cover you for an extended illness or injury. But long term care insurance may give you a way to protect those you love by helping to preserve:
- Your family's resources - their time and savings spent caring for you
- Your independence - including choosing how and where you want care
- Your assets - what you have worked hard to accumulate