What Is Long Term Care Insurance?

Thinking Long Term - Assistance with daily tasks, in your own home.

With people living longer and longer, many are taking the precaution of securing Long Term Care Insurance. As morbid as it can sound, it can be a very smart addition to your insurance portfolio.

Long Term Care (LTC) Insurance helps with the expenses associated with help you need with daily activities such as bathing, walking, getting in and out of bed, etc. The fact is that not all necessary care is covered by existing insurance, Medicare and/or Medicaid. That's where LTC Insurance can help.

Home care, assisted living, respite, hospice and more are covered by LTC Insurance. It's important to confirm that the individual policy you select covers precisely what you want covered. LTC is often purchased to prevent out-of-pocket expenses from draining the savings of the insured and even the savings of family members.

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Individuals may purchase their own LTC Insurance. Many employers also offer LTC Insurance to their employees. Think of LTC Insurance as the salary for caregivers, companions, therapists and others you may one day need caring for you 24/7.

Age is not a determining factor for LTC Insurance. In fact, 40% of people receiving long term care today are between ages 18 and 64.

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