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    ve care at the place you choose

    • You are paying professionals and can therefore spend more quality time who family members and friends who would otherwise be taking care of you<

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    Frequently Asked Questions About Long Term Care Insurance

    What is Long Term Care?

    • Long Term Care is medical and sometimes supportive assistance for those who have a degenerative condition, terminal illness, or cognitive disorder.

    • Some of this care includes custodial care and assistance with every day activities such as eating, dressing, etc. Care also includes supervision for the cognitively impaired.

    • Long Term Care is not restricted to a specific setting. Care can be provided in nursing homes, the person’s own home, assisted living centers, and adult day cares.

    Why Do I need Long Term Care?

    • With Long Term Care, you can remain in control of your care decisions

    • You can receive care at the place you choose

    • You are paying professionals and can therefore spend more quality time who family members and friends who would otherwise be taking care of you<

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    erative condition, terminal illness, or cognitive disorder.

    • Some of this care includes custodial care and assistance with every day activities such as eating, dressing, etc. Care also includes supervision for the cognitively impaired.

    • Long Term Care is not restricted to a specific setting. Care can be provided in nursing homes, the person’s own home, assisted living centers, and adult day cares.

    Why Do I need Long Term Care?

    • With Long Term Care, you can remain in control of your care decisions

    • You can receive care at the place you choose

    • You are paying professionals and can therefore spend more quality time who family members and friends who would otherwise be taking care of you<

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    are also includes supervision for the cognitively impaired.

    • Long Term Care is not restricted to a specific setting. Care can be provided in nursing homes, the person’s own home, assisted living centers, and adult day cares.

    Why Do I need Long Term Care?

    • With Long Term Care, you can remain in control of your care decisions

    • You can receive care at the place you choose

    • You are paying professionals and can therefore spend more quality time who family members and friends who would otherwise be taking care of you<

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    e, assisted living centers, and adult day cares.

    Why Do I need Long Term Care?

    • With Long Term Care, you can remain in control of your care decisions

    • You can receive care at the place you choose

    • You are paying professionals and can therefore spend more quality time who family members and friends who would otherwise be taking care of you<

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    ve care at the place you choose

    • You are paying professionals and can therefore spend more quality time who family members and friends who would otherwise be taking care of you

    • Saves you and your family members and friends from emotional and financial strain

    What if I Already Have Health Insurance and Medicare?

    • Although Health Insurance and Medicare are very important, they do not fully cover the cost of Long Term Care.

    • Health Insurance:
    • Doctor’s visits, hospital bills, and prescriptions
    • HEALTH INSURANCE DOES NOT COVER CUSTODIAL CARE!!

    • Medicare:
    • Medical supplement insurance is restricted by the limited coverage rules of Medicare
    • Short term care is limited to 90-100 days!

    • Medicaid:
    • Medicaid is only offered to those with low income and assets.
    • Those who do received Medicaid may have limited choices as

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